Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from Unifin, trying to collect a debt from another debt collector, XXXX XXXX. 

The debt is for an old XXXX XXXX card. I believe it is past the statute of limitations for collection, being over six years old.

The letter I received does not mention that the debt is uncollectible.
Complaint sub-issue: Information belongs to someone else

The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report including all Inquiries. I have no knowledge of the information reported on my report XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Unsecured Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$40000.00} Balance Updated XX/XX/XXXX Original Balance {$40000.00} Monthly Payment {$970.00} Past Due Amount - Highest Balance - Terms 60 Months Responsibility Joint Account Your Statement - XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 71 % Balance {$4200.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving Responsibility Authorized User Your Statement - Comments - XXXX & XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 92 % Balance {$11000.00} Balance Updated XX/XX/XXXX Credit Limit {$12000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$11000.00} Terms Revolving Responsibility Individual Your Statement - Comments -
Complaint sub-issue: Need information about your loan balance or loan terms

I have been eligible for the discharge of my student loan balance of {$120000.00} since XXXX XXXX. As a federal government employee since XX/XX/XXXX, I have made XXXX qualifying payments under the XXXX XXXX XXXX XXXX program. It is now XX/XX/XXXX and I have received no discharge from Mohela, my federal loan servicer. Mohela has not acted in good faith or expedience in communicating with me and discharging this debt under a reasonable timeline. I request that they be contacted to process my discharge or provide an explanation as to why they continue to delay this discharge.
Complaint sub-issue: Public record information inaccurate

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Have tried for over a month to receive a payoff letter for a loan on a camper trailer. Filed a complaint with CFPB XXXX SUBMITTED ON XX/XX/2020 TCF stated a payoff letter would be sent and the complaint was closed. To date the letter has not been received. Multiple attempts to contact TCF resulted in over an hour wait times, an inadvertent disconnection, a transfer of the call which resulted in a disconnection and an transfer of the call to to wrong " department '' at which time I was place back in the " holding '' queue. The account number is a XXXX  XXXX  account number and TCF continues to say I do not have a TCF account. 

I simply want a payoff letter, I have missed several opportunities to sell this item as a result of the abhorrent customer service of TCF and have no clear options for obtaining this letter.
Complaint sub-issue: Banking errors

XX/XX/20 spent 2 hours this morning trying to log in to my account and cant. Discover does not know why. XXXX supv. XXXX XXXX XXXX Utah has me holding but us not fixing.
Complaint sub-issue: Problem with personal statement of dispute

Ally Financial Services is my lendor for my vehicle loan. Last year I requested and paid additional dollars to place my account on deferrment on XXXX. They told me that this would not show negative on my credit reporting since I was on deferrment, however they listed me as being 30 days late on XXXX and XXXX of 2020. I disputed this reporting. Then they came back and reposted my 30 days late for those months. I began a loan process for a home and had to remove the disputes so I could get the loan to go through without penalities or downgrading of my loan. I sent Ally a registered letter to remove the dispute, after 45 days they sent me a letter stating the dispute was removed but it was not. I reached out to the credit bureaus to remove the dispute, both XXXX and XXXX removed the dispute immediately. XXXX stated it would take 30 days, they would not escallate the removal of the comments. My lender is having to downgrade my loan, which increases my interest rate and my cost for the property. I would like for both XXXX and Ally Financial Services to be investigated and for them to be penalized for their LACK of actions as it is impacting my ability for this mortagage.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number 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: Information belongs to someone else

Equifax continues to report an account that I, XXXX XXXX XXXX XXXX ( CONSUMER ) reported as Identity theft since XX/XX/2018. I sent a police report and countless letters in regards to this matter. XXXX account # XXXX is not mines Block and remove it from my consumer credit file
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not know recognize these inquiries
Complaint sub-issue: Problem using a debit or ATM card

Synovus Bank XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Whenever I as asked the teller to give me a printout of my checking account through the drive thru, one was never given. I would pull off and not get the copy. Also, my daily limit was supposed to be XXXX. On some days the bank allowed withdrawals over the limit.However, the ATM at XXXX XXXX  XXXX XXXX XXXX Georgia either malfunction and my funds were being taken out by someone who had my information because the card was stuck in the machine before I realized it. I went back to the store and one of customers gave me the card. More than XXXX plus was taken from the account. When I realized what was going on from working 12 hours shifts, I reported it to the bank. The bank said they would return my call which took more than a week. I gave them the information as best I could and went about my business. I also asked them why were they charging fees during COVID19? The bank went in and refunded the maintenance fees but not my money because it was so many disputes. A representative called and told me to file a police report. I asked her if I had to pay for it. I also told her that the rep that took my statement said they were going to put it in as fraudulent because saying ATM machine malfunctioning or having glitches sounded suspicious. I said whatever because I had friends tell me that either the machine had a faulty dispenser, worn out card reader, damaged or broken keypad, software glitches or receipt malfunction. The ATM machine I used at the above address did not dispense a paper receipt whereas I had no proof to submit to Synovus Bank. The representative said she would call me back if they needed me to file a police report. No call was made back to me. However, I received the results from them saying the withdrawals are all accurate and no funds charged back into my account. Something happens and I could be wrong but this has been going on for awhile. Yes, I have used the machine in the past but I was completely wiped out of my funds. So if the withdrawals were accurate, then why did they refund the maintenance fees and why has an attorney contacted me saying that Synovus placed charges on customers accounts when they should not have. All I know is that recurring and consecutive charges were made on my account either by the store where I once frequented because I stopped on the way home from work or someone in the bank accidently printed too many charges. The bank says this kind of thing never happen, but it does. However, someone knows how to use a debit card with and without a pin number. The bank says to report these activities and they will cover the charges but they don't. They need to send me the actual investigative report so I can know I was not scammed and who took the rest of my money.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit report shows late on both XXXX and XXXX. Requested to be fixed by Fed Loan and they refused. I was informed by credit bureaus that it isnt their job to make sure its correct. It needs to be corrected because it is keeping me from purchasing a home.
Complaint sub-issue: Account information incorrect

I suspect XXXX XXXX, XXXX XXXX Consumer Relations Specialist,  in retaliation to an angry email I sent her, has fraudulently reported to the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXReference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bankruptcydismissed Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Billing problem

What is this complaint about? 
Predatory Lending What type of problem are you having? 

I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. 
They did not tell me that there is a daily interest rate and lied to me about the APR. 


What happened? 
I was misled into using CarMax financial by a salesperson and lied to about the APR in order to sign the documents. I was told that using this option was the best and the individual only sent my information to CarMax financial. After speaking with management, I was told that the sales should not have referred me to only their institution or CarMax financial. 

What company is this complaint about? 

This complaint is about misleading financial practices of CarMax. They have taken the predatory lending tactics of XXXX a major business partner of theirs who was just sued by the attorney general and applied it to their financial model of predatory lending. 


Who are the people involved? 

XXXX XXXX CarMax Financial
Complaint sub-issue: Trouble with how payments are being handled

FedLoan reported that I did not pay on my student loans when I infact was not notified I had a bill. I never received a bill. I have asked multiple times for proof that they attempted to contact me to collect a date & have been told they " see an email sent '' but can not verify the body of the email or email address used. They also claim they tried to call, but used a phone number that changed years before I took out loans ( new phone number was adopted in XXXX  & was on ALL loan paperwork from XXXX as well as presently ). I only found out about the 90 days late on payments because my credit monitoring program told me about it. It also shows on their website that I did in fact pay the two months before being delinquent for 90 days, to which the employees I have spoken to MANY times can not explain. I now do not qualify for a mortgage loan despite making over XXXX because it shows I have a 90 day delinquency on 15 loans. I have hired XXXX XXXX to fight the claim, been told by fedloan employees to file an internal complaint for it to be repaired, filed multiple complaints to all three credit bureaus, and have sent multiple letters of goodwill. Frankly, fedloan broke the law by not notifying me in any way ( I normally receive emails and things in the mail from them, however received nothing about missing payments ). My previous payments before these months ( XXXX XXXX XXXX ) were {$0.00}, so I had no idea this would change the beginning of the new year because I had not been at my job for a year, but had provided proof of income.
Complaint sub-issue: Deposits and withdrawals

I signed up for XXXX and tried to link my accounts. I got the message " PNC has made a change that prevents you from being able to link accounts '' and then suggested that I file this complaint.
Complaint sub-issue: Received bad information about your loan

Called Discover on XX/XX/XXXX for the payoff amount was told it was {$18000.00} and within the 120 day deferred interest period until XXXX. I clearly asked if the loan is paid off by XX/XX/XXXX the amount will be {$18000.00} or original loan amount $ XXXX payments and was told YES repeatedly. 
Called today XXXX to pay it off and was told it was {$18000.00} and that interest was not deferred?
Complaint sub-issue: Information belongs to someone else

Hi, My name is XXXX XXXX, I have a total of 7 hard inquires on my credit report across the 3 major bureaus ; XXXX, Equifax, and XXXX, and only 1 from XXXX XXXX XXXX  belongs to me. XXXX, Equifax, and XXXX has been reporting accounts that I have never received to my report. I have 2 hard inquires from XXXX  XXXX XXXX on XXXX from XX/XX/XXXX and another a week after on XX/XX/XXXX, if that wasn't suspicious to the banks or creditors then IDK what is. Then I have a 3rd from XXXX XXXX XXXX on XX/XX/XXXX reporting to XXXX and again have never received any of these cards for them to be reporting on my credit. Within this span my information was used to attempt to open a XXXX/XXXX  on XX/XX/XXXX reporting to XXXX as well as some inquiry from XXXX XXXX on XX/XX/XXXX. On the same XX/XX/XXXX Equifax also reported this same account, when I request information on these accounts I receive no information, verification, or reasonings behind how or why I have 6 different inquires that do not belong to me, as well as a charged off account with fraudulent debt. I've been working for several months to resolve these issues with these reporting companies and would love help to clean this up in any way possible.
Complaint sub-issue: Account status incorrect

Greetings CFPB : Thank you for receiving my complaint. This message is about a closed revolving credit line still reported as open. 

I opened a revolving credit line with XXXX ( IL ) in XXXX, called " XXXX XXXX '', and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by their own reporting ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I receive warnings from my financial advisor that the number of accounts on my file is a problem which is lowering my credit score. The XXXX  available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with XXXX directly, and also disputed it with the credit bureaus, to no avail. XXXX reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

My name is XXXX XXXX. On the XXXX of XXXX, I called and requested that Pro-collect send a letter of debt validation in the mail. They were very rude and not helpful over the phone. I explained that I had no idea about the debt that was being claimed, and asked for a debt validation letter to be sent. They refused, stating that the debt was accurate and can be explained over the phone. I explained I still needed a validation letter, but they insisted that this means that I refuse to pay. I have no idea what debt they are trying to claim. They arent even trying to make a settlement, for whatever debt they say I owe, so I can just be away with this problem. They are very rude and conduct business unprofessionally.
Complaint sub-issue: Received bad information about your loan

I have had continuous problems with XXXX XXXX. They are taking advantage of people with student loans under the Public Service Loan Forgiveness ( PSLF ) program. They will not consider taking into account I have made over four years worth of payments to XXXX XXXX before moving my loans to XXXX XXXX in XX/XX/2017. XXXX has yet to tell me how many total payments I have made toward my 120 qualifying payments before the loan is considered forgiven. I have made numerous phone calls ( more than 5 ) to get an answer to this question and have not received back any consistent answers. They currently say they have my loan under a review, but that it could take months for them to make a decision about how many of my payments should qualify for their program. They also claimed they would not considered any payments that I paid ahead ( I explained I did this because of building interest ). I was promised calls back numerous times and no one reached out to me or returned my calls. I have been with XX/XX/XXXX for over two months and have yet to receive any notification of how many qualifying payments I have made nor have I received a date of which I could expect to be eligible to apply for loan forgiveness.
Complaint sub-issue: Account information incorrect

I have contacted the bureaus and the company has as well. The company, XXXX has stated that per our agreement that the account were paid and have agreed to deleted those accounts from credit report
Complaint sub-issue: Debt was paid

This is in reply to Citicard letter dated XX/XX/XXXX in connection with CFPB XXXX. 



YOUR COMPLAINT On statement for billing period XXXX XX/XX/XXXX I had an opening credit balance of {$71.00} On XX/XX/XXXX XXXX billed this account {$340.00} I had disputed this charge with XXXX since XX/XX/XXXX. On XX/XX/XXXX XXXX issued a credit to this account of {$340.00} finally resolving dispute in my favor. See attached letter from Citicard that reund of {$340.00} was resolved on XX/XX/XXXX and Citicard wrote " During our investigation, the amount of your dispute was temporarily suspended from the amount you owed and did not accrue any fees or interest charges.
Complaint sub-issue: Debt was result of identity theft

discover bank has falsified debt collection against me, so they obtained judgement against me in Ohio state on XX/XX/XXXX, while I was live in anther state so they have used unethical attorney to falsified address for me in Ohio that i have never ever lived in. and some how they obtained that judgement against me on XX/XX/XXXX, I have prove of address that I have never lived there plus they are demanding that money frorm person called XXXX XXXX, XXXX A BUT MY NAME IS { XXXX XXXX XXXX } SO THEY HAVE FILED WITH THE COURT TO GRANISHEMENT MY WAGES ON XX/XX/XXXX, SO EVERY THING WAS FRAUD TO GET OVER MY WAGES
Complaint sub-issue: Information belongs to someone else

Equifax is not responding to my dispute, Items where removed from XXXX and XXXX  promptly, more than 30 days have passed, I've sent my ID Theft report, as well as other supporting documents. Can not access their dispute feature online, have sent multiple faxes.
Complaint sub-issue: Problem making or receiving payments

On XXXX XX/XX/2022, I opened Business checking account with PNC bank, in-person at XXXX TX branch XXXX Ever since I opened this account, I am facing issues : 1. Signature card was not uploaded so I can not do any external transfers ( like get money into this account using ACH ) 2.I need to work close to 2-3 hours to get this resolved in next 3-4 days.

3. Now I am facing a new issues, I can not cancel my scheduled external transfer. I can reduce the amount of that transaction ( which i want to cancel ) to {$10.00} but can not cancel it. Since XXXX XX/XX/2022- I am having this issue. 
Any time call phone banking ... standard message " we are getting unusually high call volume... wait will be more than 20 minutes ... but even after 1 hour there is nobody to talk '' ... call back feature is there... but call comes after 1+ hours ... worst thing... even when you are talking to a human ... that human is totally incapable, inefficient... they can't even understand the problem... I spent close to 8+ hours on this issue. But still it can not be fixed. Branch has been told... Branch arranged a call but when i called that person... going to voice mail. 

Information team has been highly incapable backed up by totally useless customer service. Customer is feeling hopeless... 

These are the basics of banking... credit and debit from account and PNC is totally clueless. I am very busy and simply just can't keep on following. Today I got a callback from XXXX from PNC ... customer service from PNC feels as if they are doing a favor by talking to the customer. She told me that i can not see what you are doing and i can not simulate it also ... .numerous transfers here and there... but issue not getting resolved. 

XXXX support is more hopeless than phone support. 
Tried various browsers and mobile app - no luck in terms of cancelling the scheduled transfers.