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

I would like to report some massive fraud and illegal activity by discover student loans. I uncovered it this month after they made changed to their website. 

I am in their autopay program, and for the past several years I 've made additional payments and the minimum monthly payment ahead of the due date through their website. Once the payment was made, my autopay on that particular due date would be cancelled, since I paid my loan early. 

Since the recent update, I 'm told if I pay the minimum payment early, they 'll still withdraw the minimum payment for the month. I asked them what happens paying the monthly payment twice in a given month, and they said it 'll advance the payment due date. They said it 'll still take the money out on the 2nd of every month but will advance the due date. I told them if I pay the minimum payment early, they shouldnt be taking the money out again. I told them I dont want to advance the due date, and they said there 's nothing I can do. 

Another concern I brought up to them, is when I try to make an additional payment to pay towards principal and not the minimum payment, it wont allow me now. When I try paying money towards principal, it 'll go first to the minimum payment of the month and the rest towards principal. But, they 'll still withdraw that same amount with autopay during the month. The representative told me, that I wont be able to pay money towards principal of my loan from the 15th of the month until the 2nd. I feel that is unfair, and if I want to pay extra money towards my loan, I should already be allowed too. I feel misapplying payments, and incorrectly applying them, is being done purposely by discover to prevent people from putting extra money towards their loans.
Complaint sub-issue: Information belongs to someone else

Inaccurate inquiries are on my credit report. Documents shows Fraudulent inquiries
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. DPT ED/XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

I noticed a collection from Hunter Warfield on my credit report. I sent them a validation letter. They responded with a letter stating, at this time they do not have enough information to validate the debt and therefore ceasing all collection activity AND reporting. It was then removed from XXXX and XXXX XXXX but XXXX has not removed it and I believe Hunter Warfield has not notified them of this which I believe is a violation. XXXX is stating they verified the account even though I sent the letter from Hunter Warfield to them. Unless Hunter Warfield request it be removed then I do not think XXXX will remove. I believe both companies XXXX and Hunter Warfield are now in violation of the FDCPA and Texas Finance laws regarding reporting and XXXX party debt XXXX. This should have been removed 30 days ago and I am now having to take time out of my work schedule to file complaints. This should have been done along time ago. It is hindering my ability to purchase a home for my family and starting to cause a real problem.
Complaint sub-issue: Frequent or repeated calls

EOS XXXX debt collection agency is auto calling the above phone number with automated requests to call. I have never contracted to work with this company, and the only debt I can attribute these calls to is in excess of 10 years old and has been disputed since day one. I do not owe this debt.
Complaint sub-issue: Information belongs to someone else

This is my continual endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block these items : XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7400.00}, ( Original Creditor : XXXX ) XXXX XXXX Balance : {$1300.00}
Complaint sub-issue: Information belongs to someone else

There are several items reporting on my credit file as a result of identity theft. The following items are not mine : Names : XXXX Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX  - Bal : {$0.00} ( Equifax and XXXX  ) XXXX - XXXX XXXX XXXX  - Bal : {$1300.00} ( XXXX, XXXX, Equifax ) UNKNOWN - XXXX - BAL : {$75.00} ( Equifax ) XXXX XXXX - Bal : {$1000.00} ( Equifax ) XXXX XXXX - Bal : {$0.00} ( XXXX and Equifax ) The following late status is incorrect. Please remove the following inaccurate late reporting from the following accounts : XXXX XXXX - I was never 30, 60, 90, 120 days late XXXX  - I was never 30 days late Unauthorized Inquiries : 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

I notified Equifax by mail that account XXXX   XXXX {$3500.00} is a fraudulent account and stems from identity theft. I submitted a fcra 605 ( b ) letter requesting the account be blocked and removed from my credit file. Along with the letter was the id theft report. I did not receive communication from Equifax notifying me that the block request under fcra 605 ( b ) was not honored and stating a reason why. Equifax then placed a fraudulent account under regular dispute. 

This fraudulent account should be removed from my credit file due to not notifying me in writing within the time frame under fcra 605 ( b ) if a block and deletion of this account was rejected. If this account is still on my credit file from 7 business days of Equifax responding from this complaint. I will sue Equifax in small claims court for fcra 605 ( b ) violation and punitive damages.
Complaint sub-issue: Information is missing that should be on the report

I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had passed away, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.
Complaint sub-issue: Threatened to sue you for very old debt

My husband and I purchased a used car, a XXXX XXXX XXXX in XXXX from a DriveTime dealership in XXXX, Florida. Throughout a period of XXXX years, XXXX, we paid our monthly payments on time, but the car start having mechanical problems only a few months after we purchased it. 

We tried to resolve the issues with the dealership directly, and even taking it to their mechanic of choice. However, we found out the mechanic bills were added to our original debt and the mechanical problems persisted. At this point, early to mid XXXX, my husband and I had already paid $ XXXX {$8000.00} for the car which included a {$2500.00} down payment plus all the mechanic bills. 

After no solution was given to our situation, we returned the car to dealership. It was not repossessed by the dealer but voluntarily returned by us ; the affected customers of a car that was not in good conditions to be sold in the first place. We were swindled from our money for a period of almost two years, and no solution was ever given to us, even when the car was voluntarily returned to the dealership and sold once again to a new unexpected customer. 

Now after almost 20 years of this predicament, a collect agency and supposedly legal representatives of DriveTime in California are trying to threaten my husband and I with a court case with the intent of getting more money out of us.
Complaint sub-issue: Personal information incorrect

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

The following personal information is incorrect : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX TX XXXX
Complaint sub-issue: Trouble with how payments are handled

I have XXXX Parent Plus Loans on one account with Great Lakes. They have always been paid in full & on time with auto-debit. In XX/XX/XXXX I started paying an extra {$200.00} as part of the auto-debit. Two places on the Great Lakes website state " once scheduled monthly payment & all outstanding interest has been paid, excess will be applied to the loan with the highest interest rate, thus costing you less interest over time. '' Also under " How Payments are Applied '' it states " When it comes to excess payments you have more flexibility. We automatically apply excess to : 1. Accrued interest since your last payment 2. Principal of the loan with the highest interest rate ''. The {$200.00} extra was not applied as promised to only the higher interest loans which is going to cost me more over the life of the loan. XXXX of my loans have 7.65 % interest rate & the XXXX has 6.16 % interest rate. Great Lakes applied a portion of my extra {$200.00} payment to the loan with the lowest interest rate. In XX/XX/XXXX my payment of {$490.00} was divided so that the 6.16 % loan received a principal payment of {$100.00} prior to adding the extra {$200.00}. In XX/XX/XXXX I added the extra {$200.00} which non of that should be applied to this lower interest rate loan but the amount allocated to this loan went up every month even though the total principal amount is going down. XX/XX/XXXX, {$120.00} principal payment was charged & XX/XX/XXXX {$130.00} principal payment was charged. They are using my extra payment to pay down this lower interest rate loan! This is very wrong! How many thousands of people are getting ripped off?
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigated but how Is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This ground for removal they also violated my rights under 15usc 1681 section 602 15 usc 1681 section 604 A section 2 also the credit bureaus took more than 30 days to complete my investigations
Complaint sub-issue: Information belongs to someone else

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

I have disputed over and over and over again to the tradeline to ATTORNEY GENERAL-XXXX. They are reporting wrong information on my credit report for child support. I have NEVER been late on my XXXX XXXX payments. My XXXX XXXX payments come out my paycheck automatically every two weeks. There is not way I have ever been late. Im asking for the last time to have my credit report to reflect no latenesses and if you can not do that remove that negative tradeline from my credit report. I also need the name of the person who is reporting this to Equifax. Equifax need to get on the phone and call the attorney general office and get this straighten out. This is the last time I will request this to be fixed or my next course of action is to file a lawsuit. I have had enough of this. It seems the only way to get this right is to file a lawsuit.
Complaint sub-issue: Deposits and withdrawals

From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XX/XX/XXXX To whom it may concern : I hope this letter finds you well. I am writing this complaint regarding an issue with Citibank that has been going on for the past 5 months. On XX/XX/XXXX I deposited an expense check, in the amount of {$1300.00}, from my company, XXXX XXXX XXXX, via CitiMobil app. This check was deposited a second time by mistake on XX/XX/XXXX onto XXXX XXXX. XXXX XXXX was made aware of the mistake by me the next day and they started the process to return the money that was deposited for the second time to XXXX XXXX. XXXX XXXX   returned the money to XXXX on XX/XX/XXXX and the issue was settled. On XX/XX/XXXX I received a notification from CitiBank that they have deducted the deposited money {$1300.00} from my account. During the past 5 months I have contacted Citibank Customer service more than a dozen times, had in-person branch visit and sat down with the banker, providing them proof that the money was deducted from the companies account yet they never refunded the money to XXXX. They refuse to give me a clear answer as where this money went because XXXX XXXX did not receive their refund. Citibank is also adament in returning the money back to my account. XXXX, who is XXXX XXXX XXXX XXXX, has initiated a case per request of the company to investigate where this money is and why Citibank is not returning it to me or them. There has been no repsonse from Citibank Customer service despite our best efforts to fix this issue. I have attached proofs and documentation for your viewing and would appreciate your help in this matter. The documents attached are : 1-A copy of the letter sent by Citibank 2- A copy of the check ( Front and back ) 3-A letter from the CEO of  XXXX XXXX XXXX sending the copy of the XXXX statement 4-A copy of XXXX ( XXXX XXXX XXXX ) which shows the money was cleared from their account on XX/XX/XXXX and XX/XX/XXXX 5-A copy of my XXXX highlighted statement ( XX/XX/XXXX and XX/XX/XXXX ) showing the money debited back to the company 6- A copy of the emails from the CEO and the accounting manager of the  company stating they have never received the money back from Citibank! 

Please do not hesistate to contact me for any questions or concerns. I thank you in advance for your time and kindest consideration. 

Regards, XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I have disputed items that are too old to be in my credit report besides the fact that they should have been included in a bankruptcy. They would not remove the items off my credit and it has been hurting my credit score for too long.
Complaint sub-issue: Unable to open an account

Tried to open  a CD acc ount at Discover Bank. Just want to transfer money from a Discover B ank Savings a cct. Spent time on line filling out application. At the end of the application process, was notified to call a service representative to fin alize the opening of the account. Called the representative and was on the phone for 15+ minutes with 10 minutes hold while they investigagted. Meanwhile I received an email stating the application was not accepted. I brought this to the attention of the respresentive who put me on hold for another 4 minutes and then came back and said I have to start the process all over again. When I ask ed why, there was no reason. I fillled out all the paperwork to the best of my ability. It was a mere transfer of funding from an internal account. I called to complain and find out why. No one could answer. My time is valuable, too.
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX   XXXX not mine XXXX XXXX  XXXX XXXX XXXX {$180.00} not mine
Complaint sub-issue: Their investigation did not fix an error on your report

Below is the dispute I sent to XXXX XXXX, XXXX, Equifax and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX I am disputing the accuracy and completeness of XXXX/XXXX  XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( Equifax  reporting of this account ) Exhibit 2 ( XXXX  and XXXX  reporting of this account ) Exhibit 3 ( XXXX XXXX manual reporting guidelines for paid charge off account ) Exhibit 4 ( XXXX XXXX manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, XXXX, Equifax and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to XXXX XXXX manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB. 
Exhibit 1 ( Equifax lender report ) Exhibit 2 ( XXXX  and XXXX  Report XXXX Inaccuracies : 1. XXXX ( Highlighted in yellow ) a. Equifax reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX  of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. Equifax reporting Charged off Account. XXXX  reporting Charged off account. XXXX  reporting Purchased by another lender. Exhibit 3 is from the XXXX XXXX manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled XXXX a. Scheduled monthly payment amount is blank. Exhibit XXXX demonstrates this is incomplete. 










Exhibit 3 ( XXXX XXXX Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 ( Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX
Complaint sub-issue: Company closed your account

There was an account opened fraudulently at PNC that I have contacted the bank several times about and they refuse to help me with it. They won't put me in touch with the fraud department or send me any information. This account is now reporting as mishandled and has caused my accounts at other banks to be closed.
Complaint sub-issue: Their investigation did not fix an error on your report

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$21000.00}