Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to the car dealership and was screened with multiple hard inquires that I wasn't aware of or didn't consent to. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX Reference # XXXX ( XXXXXXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish account without my written instruction.
Complaint sub-issue: Trouble with how payments are being handled

Issue # 1 : In XX/XX/XXXX my father sent a {$1000.00} check to the Department of Education XXXX XXXX XXXX to pay off {$1000.00} in principal on my student loans. I was still in school at the time, so no payments were actually due on the loans yet, this was just a payment to pay down some of the principal. My father 's check was dated XX/XX/XXXX and it was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX. However when I look at my loan information online, I don't see this payment deducted. 

I wrote a letter to XXXX XXXX on XX/XX/XXXX and sent it via Certified USPS mail asking them to let me know what happened to this payment. My letter was delivered to XXXX XXXX on XX/XX/XXXX, but I have not received any response yet after more than a month and a half. 

I have attached below the following documents that were already sent to XXXX XXXX : - My letter dated XX/XX/XXXX - Screenshot of {$1000.00} check being cashed on XX/XX/XXXX - Carbon Copy of my father 's {$1000.00} check dated XX/XX/XXXX I have attached these additional documents as proof that I have attempted to resolve this previously : - Post office receipt for Certified mail sent to XXXX XXXX on XX/XX/XXXX - Confirmation of delivery on XX/XX/XXXX for the same Certified letter Issue # 2 : I made a another Principal only payment by check in the amount of {$1700.00} accompanied by a letter dated XX/XX/XXXX with specific instructions about how and where the money should be applied. This check was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX, but they applied most of this payment to interest instead of principal and they applied it to ALL of the loans instead of the two loans I specified. They have also advanced the due date on my payments to a date in the future - which I did not ask to have done and do not want. 

I wrote the PHEAA Office of Consumer Advocacy a Certified USPS letter about this problem on XX/XX/XXXX asking them to fix it, but have heard nothing back yet after more than a month has passed since they received my letter. They received my Certified letter on XX/XX/XXXX. 

I have attached the following documents : - Certified Letter dated XX/XX/XXXX sent with check for the {$1700.00} principal payment. 
- Certified letter to PHEAA Consumer Advocate dated XX/XX/XXXX identifying the problem and asking that it be corrected. 
- Screenshot of my online loan account showing this payment was applied mostly to Interest instead of being applied to Principal only. Also shows being applied to ALL loans instead of the two I designated. 
- Monthly bill dated XX/XX/XXXX showing the 2 loans with the smallest balance, which is where this Principal payment should have been applied. 
- Confirmation of delivery on XX/XX/XXXX of Certified letter to PHEAA Consumer Advocate.
Complaint sub-issue: Public record

Someone had a judgement against them and it was placed on my credit reports. I does not belong to me.
Complaint sub-issue: Talked to a third-party about your debt

On XXXX XXXX XXXX, XXXX from Mechanics Bank ( her number is XXXX ) vhad repeatedly researched all the numbers associated with my name discussing my auto loan. I had missed one payment and she repeatedly left messages, texting about my auto loan, when I had left her a voice message for her to stop searching and calling different numbers leaving messages and texts. However, she has my home address and phone number for contact. This is not the first, I had faxed in letters stating for Mechanics bank not to search and call other people / phone numbers repeatedly. When I had called her, she does not answer the phone. 
She had called again recently, even when I had left her a message stating I will make the payment this week. 

In the future, I would like Mechanics Bank not to leave messages or text other numbers, she has my personal contact on file. I hope she does not do this to other consumers, as she is very rude when she leaves messages, not even a thank you or polite way to end the call on all her voice messages and texts.
Complaint sub-issue: Debt is not yours

Firstly, I have tried multiple times to try to email and mail the company to obtain a copy of the original loan ; however, the company has never provided me with one. Additionally, I currently am XXXX XXXX service member and I have not been in Arizona for the past 4 years to be able to sign up for a car loan or obtain a car. I was previously married to my ex-husband ; however, we are divorced now. I know this car loan was opened without my consent or permission from my ex-husband and the car dealership. I have also tried making contact with the dealership to obtain a copy of the loan they, unfortunately, do not retain records of that. I have been dealing with this for about 2 years now. So when I finalized my divorce on XX/XX/2017, I included the Auto Loan into the debts that my ex-husband would pay to further protect myself. The judge sided with me. He, unfortunately, will not provide me with any documentation and will not respond to my emails and has blocked me all on social media sites. He voluntarily returned the vehicle and will not make any payments towards it. Now it has been written off on my credit report around {$16000.00}. I really need someone to help. I have legal representation to file a complaint and documentation from the court of XXXX XXXX in Arizona.
Complaint sub-issue: Problem with fees

I made a purchase on my Macy Credit Card on XX/XX/XXXX. This was a large purchase as it was eligible for a 12 month no interest if paid before or on XX/XX/XXXX. Prior to this due date on XX/XX/XXXX I request a Covid-19 relief and per the two reps and audio recording, the minimum payment would not be required for two months and all promotional promo would be suspended for two months and the deferred interest would not be added. However on XX/XX/XXXX I received my XXXX statement showing the deferred interest was added along with additional interest despite having had the protection of the COVID-19 relief. Also, I received notification from my credit monitoring company of the increase which caused a negative impact on my credit report, dropping me down 10 points. 
The same day I contacted Macy 's at XXXX to have this mistake corrected. I was told 3 different lies. First, I was told that my Covid-19 protection expired on XX/XX/XXXX, which is not accurate as I have requested XX/XX/XXXX. Second, I was told the promotional promo expired on XX/XX/XXXX before I requested the relief, which is not accurate as all monthly statements from XX/XX/XXXX to XX/XX/XXXX showed the promotional due date as XX/XX/XXXX. The final lie, was despite me request the COVID-19 relief prior to the expiration of the promo balance, Macy/Citi did not approved it until the day after the promo expired on XX/XX/XXXX. 
I feel this company have operated in bad faith regarding Covid-19 relief. Phone recording should be reviewed from my call on XX/XX/XXXX at XXXX XXXX. as well as previous call in the month of XXXX regarding this account.
Complaint sub-issue: Reporting company used your report improperly

My credit data and pii was released and shared improperly. I am now at high risk to identy and credit fraud.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Discovers failure to appropriately investigate, notify, do its due process has caused me undue hardships. Ive made more than 10 calls to Discover, been transferred more than 15 times, and have spent no less than 13 hours of my time ( 80 % of the time on hold ). 
Discover completed an investigation on disputed charges I was unable to complete directedly with the retailer, whom completed neglected any communication with myself. Nevertheless, Discover came to the mistaken conclusion that a series of charges by XXXX were services I purchased and used. 

Facts Section I : I made Discover aware that I did have an account with XXXX and that it had been canceled as it was never used. Upon the most recent statement showing the unrecognized charges, I initiated the dispute. 

Discovered allowed XXXX to continue a charade of charges to charge a credit card number that had been reported lost or stolen, and consequently replaced, on multiple occasions. 
Discovered was instructed on of XXXX XXXXXX/XX/XXXX to block any further charges, authorizations, or business dealings with XXXX. XXXX XXXXXXXX assured me that a block would be initiated. 

No Access : I do not have the ability to discuss my account with XXXX representatives because they could not verify my identity with an updated cell phone number and their use of an expired email account. 

Fraud : When I noticed charges on my statement, I contact Discover to start a dispute. The agent suggested the funds would not be reimbursed unless it was labeled as fraud. I changed the disputed status to fraud. 

Failure to protect : Despite my request to ban future transactions, Discover still allows XXXX to authorize transactions on a new account number. As recently as XX/XX/2022, XXXX debited and credited my account for {$1.00}. ( See documents A and B ). This is a banking transaction technique used to verify with card retailers if the consumer has available credit. There is no conceivable reason this should have taken place on XX/XX/2022 when they were banned by Discover to unlawfully gained access to my account. 
Dont be off put by the disguised name of the authenticator on XX/XX/2022, if you research further XXXX merchants ' contact information is addressed as XXXX XXXX XXXX XXXX, Az XXXX. Discover allowed this to take place after a block was initiated and should have been followed thru by the fullest extent of the law.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I leased a new XXXX XXXX XXXX for 42 months on XX/XX/XXXX and it was financed at the dealership by US Bank. 

My lease was due to expire on XX/XX/XXXX so in XX/XX/XXXX I reached out to US Bank to purchase the vehicle. 

I executed documents to finance the purchase directly with US Bank. The loan was approved and my monthly payments began on XX/XX/XXXX. The payments have been deducted monthly since that date. 

Since the purchase of my lease in XX/XX/XXXX, US Bank has not delivered to me the vehicles title, an authorization letter for DMV, and a check to pay the sales tax that they collected. These are the items that I need to transfer ownership to myself and register the vehicle in my name. As a result, I have not been able to drive my vehicle since the registration expired at the end of XX/XX/XXXX. 

US Bank states that they mailed me the title, document, and check on XX/XX/XXXX, but I never received them. I inquired to US Bank about obtaining a duplicate title, letter, and check. A representative from US Bank told me that they would obtain a replacement title from NJ DMV and send everything to me again but it will take 60 days. 

After 60 days I reached out to US Bank again to check on the status of the title replacement. I called every few days since the end of XXXX to try and find an answer. I always spend a lot of time on hold, I am never able to speak with the same person, I am constantly transferred and disconnected. About a week ago a US Bank representative said they would send the documents to me by overnight mail. I never received anything. 

Finally, on XX/XX/XXXX I was told by another US Bank representative that replacing the title was now my responsibility. I needed to mail them a {$95.00} title replacement fee and wait for another 60 days while they secured a copy from NJ DMV. At this point, I really dont trust US Bank because they never keep their commitments. In the meantime, I am making loan and insurance payments on a vehicle that I can not register or drive. I mailed the check on XX/XX/XXXX and US Bank confirmed that received the check on XX/XX/XXXX. 

After the holidays, on XX/XX/XXXX I called NJ DMV and asked if they had received a request to process a duplicate title on behalf of US Bank. I was told immediately that they see nothing in their system for my VIN number and that they are backed up with precessing requests from XXXX. 

I need your assistance to have US Bank deliver a replacement title, authorization letter and necessary documents so I can register and drive the vehicle that I purchased.
Complaint sub-issue: Reporting company used your report improperly

Equifax Your listing that XXXX XXXX  account # XXXX is closed however your still listing a monthly payment of {$330.00} thats a violation please remove this account immediately. Also XXXX is reporting 36 Months term and your reporting Monthly ( due every month ) thats also a violation please remove this account immediately XXXX is reporting Account Type - Detail Auto Loan and your reporting account type as Installment thats a violation please remove this account immediately. Your also listing High Credit {$7600.00} with a balance of {$11000.00} witch is more then your listed high credit thats a violation please remove this account immediately, there are also missed payment inaccuracies thats a violation please remove this account immediately
Complaint sub-issue: Investigation took more than 30 days

I sent out original dispute letters to all 3 credit bureaus on XX/XX/2020. After not getting any investigation results back I sent a 30 day demand to comply on XX/XX/2020. These agencies are not abiding by the law or holding up to the Fair Credit Reporting Act. I have still not received any investigation results and I want my items deleted. This is my second complaint.
Complaint sub-issue: Can't get other flexible options for repaying your loan

XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear Consumer Finance : I am on XXXX and get {$520.00} per month. I was on an Income Sensitive Repayment Plan or an Income Based Repayment Plan and had {$0.00} listed as my payment in XXXX of XXXX and I can not get them to approve me for that payment plan again. I have a XXXX-year-old and I must rely on others to help pay for his needs. I have struggled with them for years and they put it on my credit. I have done everything they asked me to do. I sent in a recertification letter on XX/XX/XXXX and received confirmation they had received it on XXXX, XXXX. Before that I have tried to apply for discharge of my loan in XXXX of XXXX via snail mail and they wouldnt approve that. Meanwhile my credit score is XXXX and it was XXXX. The websites they have for Nelnet.com and XXXX are horrendous. I must reset my password every time and sometimes I can not get in. I dont know what to do about this. They wont work with me. I need my credit fixed at least. I need a loan to cover me during the Covid-19 crises and I can not get one. I think its unfair that they report it to my creditors, and they will not approve any plan I apply for. Thanks for your time! 
Sincerely, XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. While examining my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as fallacious information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX- Inquired on XX/XX/XXXX ; XXXX - Inquired on XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have submitted Identity theft report in reference to accounts open using my identity. After reaching out to Equifax I was advice what to do in order to remove accounts from my credit file. I took liberty of sending documents requested by Equifax in order to have information blocked/ deleted from my file. However, after being told from Equifax Fraud dept. information would be blocked it is still showing on my credit file. This matter has been on going for quite sometime now. I feel like a suspect instead of a victim. My life has been ruin, trying to obtain credit. I found out I was a victim of Fraud when I applied for a mortgage in 2018. I am reaching out to CFPB to assist me in resolving this issue. It has been a nightmare dealing with credit reporting agency. I have tried to resolve this matter amicably with Equifax. Now I am taking it a step further. Thanks for your time and attention in regards to this matter.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, & XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Didn't receive services that were advertised

I want to close my kikoff account I can't even use it in this hard times of financial stability yall can't help me use the money I need to I want my account closed because I never used the credit that was given to me
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute letter requesting validation, accuracy or deletion of accounts that are deemed to be reporting unlawfully to XXXX on XX/XX/2019. I also sent a dispute letter for them to remove any incorrect personal identifiers that are not and should not be associated with me such as physical address, name, phone number, etc. My credit report still reflects inaccurate information. The personal identifiers that I consider to be fraudulent were not removed by the Credit Reporting Agency XXXX. Also I receive an letter in the mail on XX/XX/2019 regarding a investigation that I requested in regards to accounts that are not reporting correctly in accordance to the FCRA and in the letter address to me XXXX  did not provide any documentation nor evidence regarding the accuracy of the accounts which is what I requested in the Compliance letter that was sent out to them on XX/XX/2019. They are also not willing, according to the letter to re-investigate, however they did not do a proper investigation after my first request. According to the FCRA I have a right to aks for a thorough investigation into items on my credit report and those items should be verified for accuracy or deleted. I have outlined the errors that are reporting on these accounts that are not within FCRA guidelines and yet XXXX  refuses to investigate. I am requesting deletion of said accounts due to XXXX  unlawful act to investigate and neglecting of my request for a through investigation according to my consumer rights outlined by the FCRA. As stated no paperwork was submitted to me to verify the validity of the accounts nor the accuracy. These items are detrimental to my credit profile and my ability to obtain credit.
Complaint sub-issue: Problem getting your free annual credit report

On XX/XX/19 Tuesday I tried to enroll in the XXXX XXXX Upgrade Program to purchase a new XXXX XXXX XXXX this coming Friday at XXXX XXXX PST. I have to get preapproval before being enrolled. My application kept getting denied due to " personal information not matching credit report ''. I called the lender for the program, XXXX XXXX, and after trying their initial solutions of double checking credit card security codes and multiple cards, I still faced the same issue. Then I was transferred to talk to Equifax and they said they do not have my credit report history for some reason. I checked on XXXX XXXX and can only get from XXXX. So Equifax told me to call XXXX XXXX to send them info regarding my history so they can process that. I then called XXXX XXXX one more time and all the representative told me was that they can only send an appeal, even though that requires Equifax to verify my information, which they do not have on file.
Complaint sub-issue: Account status incorrect

XXXX XXXX  issued me a card to buy a XXXX phone. I got the credit in XX/XX/2018. I paid as agreed and used their system to pay my account in full in XX/XX/1019. But then months later they said I owed them {$18.00}. This hit my credit with almost an 80 point drop. 

XXXX
Complaint sub-issue: Account status incorrect

I took out a loan with XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX  in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments inXX/XX/XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.
Complaint sub-issue: Problem with customer service

In XXXX, I faxed my PSLF application to XXXX XXXX XXXX as was written on my appication. I called a few days later to make sure they received it and was told that I needed to give 30-60 days for processing. In early XXXX, I still had not heard anything from them so called and sat on hold for hours without speaking to a human. I called back and the automated system asked me some information but just kept looping and never giving me the option to speak to a human, only suggesting I access my information on the the Mohela website. I went to the website and it said I did not have an account so I tried to create one. It would not let me create one because they said I do not have an account with them. So I called my XXXX XXXX, XXXX, and was told that the PSLF was switched to Mohela in XXXX and there was a different fax number than the one I had, originally, sent my application. So I faxed the application again to the new number, I even faxed a couple times just to be on the safe side. I tried calling again multiple times over the next few weeks and the same thing happened again where it asks info and then just keeps looping without the option of speaking to someone and referring me to the website. So on XX/XX/XXXX, I went to the post office and requested the quickest way to send with multiple levels on confirmation that it was received. I have tried calling again and the same thing. I tried calling the Federal Student aid number and sat on hold for XXXX minutes and then they hung up.The deadline for the PSLF app is XX/XX/XXXX and I can not get anywhere with this company.