Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem lowering your monthly payments

In XXXX after 12 years of being unemployed due to permanent XXXX I began a loan discharge process with Nelnet. In XX/XX/XXXX I sent email and post office documents declaring that I was still unemployed. Under the generic email return address of XXXX XXXX instead of anything related to Nelnet, they sent me information that looks like spam. That is deceptive. My TPD process was dropped because Nelnet acknowledged and accepted my certification that I have not been employed, but their separate agency that sends generic email didnt receive the paperwork. I talked to the Omsbudsman and another agency that took my complaint but didnt do anything to correct the trickery of Nelnet. Nelnet told me that the XXXX $ loan was back on track affecting my credit AFTER the appeal period ended when it was too late for me to make an appeal. They didnt notify me that they have a separate organization to process XXXX and XXXX XXXX that doesnt share data with their loan repayment center so I had no idea that I was not in compliance. One agency of Nelnet said I was fine with the process and when it was too late to fix it the second Nelnet organization said I was not in compliance. Its deceptive. Having a hidden arm sending spam looking email that isnt clearly marked as being from Nelnet was deceptive. 

Being traded on the XXXX makes Nelnet drive up loan balances with unethical actions to make their profit look good to investors. The government is for the protection of the people but the XXXX is about getting as much money from the people as possible. 

Although its unlikely that I can ever pay the debt, having me on the books with ever increasing debt serves the XXXX well so Nelnet has s conflict of interest when it comes to treating me fairly. What they have done to me is so dishonest and unethical that its clear no other industry could get away with such flagrant disregard for consumer satisfaction and consumer rights. 

Nelnet believes they can conduct business any way they like because our own government defends their rights to rob the people that try to better their lives by getting an education. 

Nelnet informed me that all my documents were received and then Nelnet informed me that my case had been dropped. 

Its a crime.
Complaint sub-issue: Debt was result of identity theft

I have been working with XXXX XXXX XXXX , XXXX since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from XXXX XXXX, XXXX. I informed her that I never had a credit card through Citibank, NA. So I contacted XXXX XXXX XXXX, XXXX on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that XXXX XXXX, XXXX sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to XXXX XXXX, XXXX on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.
Complaint sub-issue: You never received your bill or did not know a payment was due

In Accordance with the Fair credit Reporting act 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

For last year between XX/XX/XXXX XX/XX/XXXX Being receiving pre approved notices through emails and notifications from XXXX XXXX stating that I was pre approved for credit cards for at least XXXX And when I applied it was XXXX approved and it all was denied but they keep sending them XXXX XXXX times a week Its stressful because it lies and get your info and you apply over and over loosing points and was hoping to get approved. I really needed the money for medical bills it has caused harm stress and affected my credit by multiple inquiries and also medical stress and denial from other companies I ask them to stop and has not! 
My score is dropping and their saling my information for profit while I struggle its cause great stress and affect my living!
Complaint sub-issue: Problem during payment process

In XXXX of 2017, my payment of {$57.00} did not process. I reached out to the company 's customer service, who said that a payment did not go through. I was not notified that this payment did not go through correctly and that it was considered a late payment. I am now unable to qualify for a line of credit. When I contacted the company 's customer service, I was told that it might appear on my credit report but that there was nothing that could be done about this unfair situation.
Complaint sub-issue: Account information incorrect

Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my XXXX credit report!!!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is in reference to dispute XXXX. On XX/XX/XXXX I purchased XXXX XXXX thermostats from homedepot.com for a total of {$5900.00}. I immediately sent these back due to damage. On XX/XX/XXXX I received a refund of {$5900.00} for this purchase and the merchant notified me via email they had received the returned products. On XX/XX/XXXX a charge of {$5900.00} posted to my card as home depot reversed the refund that was issued XX/XX/XXXX. The activity on the card showing the initial purchase, refund, and refund reversal is included in this document for reference. Also included in this document are the return receipts for the XXXX Thermostats. I can clearly prove the items were returned. However, my account does not currently reflect that I have received credits for the returned items as the credits originally given by the merchant were reversed. I do not have any items from Home Depot and I am owed a refund for the returned items. Please reopen this dispute given this information. Thank you
Complaint sub-issue: Information is not mine

I have supplied them and the credit with the information attached and this information is still on my Equifax report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

daily calls are rec'vd by  XXXX  ( ERC Collection company ) - they do not speak, they do not identify themselves and they do not hang up I have called them repeatedly to have this stop - but they claim no knowledge of phone calls - this is repeated harassment - my most recent phone call to them was on  XXXX   XXXX   2017  at  XXXX  - I spoke to  XXXX   XXXX  - who  tried  to confirm personal information - which I refused, other than my name and address
Complaint sub-issue: Information belongs to someone else

I kindly ask you to investigate and remove these accounts from my credit report. I do not recognize these accounts I believe I was a victim of identity theft. I have no contracts or agreements with these accounts. I do not know how these items ended upon my credit report. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint against Equifax, there is no third party involved. 
Equifax is reporting multiple inaccuracies on my consumer report. My personal information My name is spelled incorrectly. ( Exhibits provided ) My address is inaccurate. ( Exhibits provided ) The employment section is inaccurate. 
The name on my ID and social security card are how my name should be spelled. The address on my ID is my ONLY address. Pursuant 15 usc 1681b I have contacted Equifax multiple times with written instructions to delete accounts XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX ( exhibit provided ) they have ignored and refused to comply At this time, I DEMAND EQUIFAX TO CORRECT THE INACCURATE PERSON INFORMATION AND DELETE THE REQUESTED ACCOUNTS WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME SIGNIFICANT DAMAGES INCLUDING OBTAINING HOUSING, GOODS, TRANSPORTATION AND MORE. EQUIFAX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply with my written instructions Pursuant 15 usc 1681b Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Complaint sub-issue: Account status

I belong to XXXX XXXX and check my status regularly. For some reason my late payments on the Equifax report, ( which I have none ) went from XXXX percent on time to XXXX percent in the last month! Looking at my Equifax credit report out of the XXXX accounts shown there are NO late payments. According to Equifax out of XXXX reported payments I supposedly have XXXX late payments?? Please supp ; y me with the company 's or persons that I supposedly have not paid. They are not on the Equifax credit report that is on XXXX XXXX and must have happened over the last month! As a side note my XXXX information XXXX payments were on time, it would also be highly unlikely that XXXX would miss this. 
Thank you
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX Bank # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Received bad information about my loan

The company at hand is named called Great Lakes loans, which are servicing my federal direct student loans. They have bundled my student loans, which makes it impossible to be sure what the pay off amount is for an individual " account '', and you must contact them by phone. I did this and received the pay-off amount from the company representative verbally. 

I paid the amount the representative instructed to me immediately after the call. The representative, by any reasonable assumption would assume that I would pay that amount, did not disclose that more interest would be added during the short processing period Great Lakes has. Thus, interest will was added during the period which prevented the loan from being paid off with the very " pay off '' amount provided by the loan servicing agency.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : CITI XXXX Date Opened : XX/XX/2005 Balance : {$0.00}
Complaint sub-issue: Trouble with how payments are handled

I signed up for the REPAYE student loan repayment plan and direct debit of payment from my checking account. I paid {$150.00} according to the bill on XX/XX/XXXX and Fedloan Servicing deducted {$150.00} on XX/XX/XXXX. Yet they claim that I owe them {$150.00} on XX/XX/XXXX and have marked my accounts as delinquent. My loans are not delinquent ; I have paid according to the REPAYE plan and set up direct debit. I am not making twice as many payments as are required under the REPAYE plan. I plan on applying for public service loan forgiveness and need my loans not to be in delinquent status. I have contacted Fedloan Servicing, but they have not responded.
Complaint sub-issue: Debt was result of identity theft

I have recently pulled my credit report and found accounts that I didnt recognize
Complaint sub-issue: Problem accessing account

PNC bank won't allow linking my account with another firm for account verification and loan purposes.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX delete this account XXXX XXXX XXXX XXXX please delete this account I have no knowledge of it. 

XXXX XXXX XXXXXXXX XXXX please remove all these accounts. I have no knowledge of them.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I put these companies on notice that if they do remove these accounts from my report that I didn't give them permission to report I will be moving forward with a legal action for violation of my federally protected consumer rights according to 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance
Complaint sub-issue: Information belongs to someone else

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply forXXXX XXXX
Complaint sub-issue: Information belongs to someone else

The information on my credit report is not correct. I don't know these account I didn't apply for any of them. I don't understand where is come from and why I see them. I think someone used my personal information
Complaint sub-issue: Their investigation did not fix an error on your report

RECENTLY, I LOOKED AT MY CREDIT REPORT AND IT BROUGHT ON A TREMENDOUS SADNESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.THIS IS HARMFUL TO MY HEALTH AND A DEFAMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DID NOT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) accuracy of reportof the United States Code 15 usc when a consumer reporting service creates a report on an indivdual, they are required to take reasonable measures ensure accuracy
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act my rights has been violated? 

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: Account status incorrect

CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Complaint sub-issue: Reporting company used your report improperly

This is regarding the Equifax breach. I am upset because all of my personal information is now publicly indexable. While they are also a victim as well, they have information on about XXXX XXXX Americans and there is no way to opt-out of their information gathering. They should have held that information in the strictest of confidence.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. While analyzing my updates, the fallacious information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX - XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Banking errors

Opened a key bank checking account around XX/XX/XXXX during a promo in which you deposit XXXX $ & they send you XXXX $ had 4 representatives tell me different stories. 2 representatives had no knowledge of the promo never told me you had to make a single deposit of XXXX $ in order to receive the XXXX $ then another representative tell me months later on XX/XX/XXXX you had to make a single deposit to receive the XXXX $ then the last representative tell me you had to make a single deposit off XXXX $ in order to receive the XXXX . Ive wasted months trying to do exactly what was asked only for it to be the wrong information. Ive been directed to different people & my issue still hasnt been solved
Complaint sub-issue: Investigation took more than 30 days

I sent multiple credit disputes to these companies for them to investigate things that were not mine. I sent my report to the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in a time frame they have not abiding in these laws.
Complaint sub-issue: Information belongs to someone else

There are some creditors and inquiries that are on my credit report that I do not recognize, nor did I approve of them being on there. Please delete them immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I re applied to XXXX as a driver, due to error on my background check through checkr inc I was denied employment opportunity .since XXXX I been trying to solve the background issues with checkr inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tell. XXXX XXXX XXXX Checkr.com I file multiple dispute, I have not gotten any results.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2800.00}
Complaint sub-issue: Their investigation did not fix an error on your report

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 am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon as possible : XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Complaint sub-issue: Information belongs to someone else

Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/19 Amount XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/2021 US XXXX XXXX of Washington amount {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXXt amount {$99.00} These 2 companies have fraudulent collection accounts on my equifax XXXX XXXX and XXXX rereports. Im reqiesting these 2 companies provide proof of these accounts with my legal wet signature
Complaint sub-issue: Deposits and withdrawals

I made a cash deposit on XX/XX/30 and the ATM went out of service during the deposit. The machine kicked my card back out but not my {$120.00}. I immediately filed a claim with their customer service and have heard nothing yet. There is no reason for it to take this long. I called customer service again on XXXX and after waiting in the queue for 30 min. they could tell me nothing but in process then transferred me to the claims department who never answered my call. I sent the same information as above to their XXXX XXXX and they responded with the following : Hi XXXX, thank you for reaching out. We're sorry to see the ATM malfunctioned and did not deposit your funds like anticipated. Our ATM dispute claims can take 10 business days to complete from the time of filing. For more information about the claims process please contact our 24 Hour Customer Service team at XXXX. Kindly, XXXX You can't tell me that they don't balance the ATM 's daily. Again, there is no reason for it to take this long to credit my account with my {$120.00}. I want my money now!!!
Complaint sub-issue: Trouble with how payments are being handled

I received a letter indicating that an error occurred when my loan was transferred and that I should have been paying at a lower interest rate, however, I had already paid off the loan. As such a refund is due. I called and they said it was applied to my other outstanding loan but could not tell me any more information regarding the refund and the amount that was applied to my other loan. Generic information is insufficient. The customer service rep was rude and talked over me when I keep asking for specifics.