Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Convergent Account XXXX CO XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions Date opened : XX/XX/2005
Complaint sub-issue: Problem with customer service

I am a XXXX XXXX and have been since XX/XX/2004. I have enrolled in the TEPSLF and PSLF programs. I have provided my employment information more than three times -- certified by my employing agency, the XXXX XXXX XXXX. 

My loan was transferred from XXXX to MOHELA, the company currently suing the XXXX XXXX over student loan forgiveness. 

In XXXX, a rule regarding periods of forbearance was promulgated. I have asked, even though my Senator 's Office ( XXXX XXXX ) to explain why my forbearance periods are not being applied and why my employment verification is not being accepted ( see attachments for both )
Complaint sub-issue: Account information incorrect

XXXX has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to XXXX by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.
Complaint sub-issue: Problem with customer service

On XX/XX/2020 I received a text from the pharmacy that fills my prescriptions that told me they'd been receiving receipts from purchases I made at other businesses. They suggested that those receipts were coming form a company called Square. I went to the Square website and found that there was no way to speak with a live representative by chat nor was there a telephone number that would accept my calls unless I was a registered seller with their company. So, there as no way to fix the error or to take action to prevent identity theft that might result form the misdirected receipts. I am filing this formal complaint because this business refuses contact from the public.
Complaint sub-issue: Contacted your employer

Recieved a Loan from XXXX XXXX XXXX date unknown. Last payment made was XX/XX/XXXX for an amount of XXXX $ Total Loan taken was XXXX $ I had told the company I was recently in a car accident and would need time to pay back loan amount. I continued to get calls and voicemails 3 to four a day within a two hour period. I had requested that they stop calling me and I work something out with the caller but the next day the calls will return. On XX/XX/XXXX I received a notice from my HR that they had been contacted about a loan in my name and again on XX/XX/XXXX. I was under the impression that other than employee verification my employer would not be contacted especially not to discuss my loan
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously disputed these items with you Reference # XXXX XXXX bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX and XXXX XXXXXXXX bankruptcy XXXX. In response you verified these items as accurate, stating that you have verified the information with the court. I contacted the court reported as the furnisher and attached is their response. It is clear they do not report to you or to any credit bureau for that matter ; therefor your original response verifying these items with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the information must be " deleted immediately ''
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Complaint sub-issue: No notice of investigation status/result

After reviewing my Credit Report I call XXXX XXXX XXXX XXXX XXXX about a collection on my credit files they and agreed that if I paid the XXXX owed XXXX 2016, they would delete the collection files from all Credit Reporting Agent however, that have not happen to this day XXXX XXXX, 2016, their excuse : On XXXX 2016 the said I would have to wait 30 days, On XXXX 2016 the said I would have to wait 30 days, Now XXXX 2016 I was told now I will Have to wait until XXXX 2016, albeit, the said they have informed all Credit Reporting Agent to delete my collection files as promised. However, Equifax stated the last communication they had with XXXX XXXX XXXX or XXXX XXXX was XXXX XXXX, 2016, and it was not to delete any files.
Complaint sub-issue: Account information incorrect

In   XX/XX/XXXX , i t is alleged by  XXXX  that I made a late payment on my student loans. Whether this is true or not is the matter at hand. What I 'm filing a complaint about today is that after  XXXX  reported this to the credit bureaus, it shows up as  XXXX  delinquent accounts since my student loan was in  XXXX  installments. But this is misleading and inaccurate for the following reasons.  <P/> When  XXXX  sent me emails they said, " my account is ready to be paid. '' Note, it did not say accounts, plural. When I mailed in a check each month, it was paid with  one check. When I paid the loan off in full in  XX/XX/XXXX , I made one payment with one check to satisfy the remainder of the loan. I made one late pa yment, it should be reported as such. A prospective employer, landlord, mortgage provider view me as someone who made  XXXX  late payments. But I 'm not. Fact.  <P/> I tried contacting  XXXX  and the credit bureaus but they ignore me. It is very difficult to get a hold of someone from the credit bureaus. This misleading and inaccurate info on my credit report has hurt me financially. What was once a viable next step in my life of purchasing a home has become a nightmare that likely wo n't happen until all these negative remarks are off my account in the year   XX/XX/XXXX  . I 've been told by landlords my credit score is too low. When I applied for a personal loan, the interest rate was 32.5 %! Is that even legal?  <P/> Update : I got an email from a crimin al investigator with some  organization. I was so excited that someone might be investigating criminal charges against  XXXX , I told all my friends.  One said be careful, figure out wh o is contacting you. I   XXXX    it and found this organization is actually  XXXX ! Why would  XXXX  send a CRIMINAL  XXXX  nvestigator to contac t me without saying they are from  XXXX ? More misleading and shady behavior from a corrupt organization. Is there goal to scare and intimidate me? In the last email from this  investigator he says, " we will consider your case closed if you do n't contact us. '' Hahahaha! This  is far from closed  XXXX .
Complaint sub-issue: Talked to a third party about my debt

The collector called my XXXXyr old mother up to several times in one day over more than a week, leaving a message, asking for me. Not leaving a personal name, but a phone number and account number. 

This collector is from a landlord dispute that we have from a former apartment.
Complaint sub-issue: Personal information

Equifax Refuses to except Valid ID information to correct my report. Wrong Personal ID information has led to Accounts Effecting my Report that are not Mine, Example : XXXX ( Plaintiff Denies any judgement against me or authorizing Equifax to put this on my Report ) Escalating this due to multiple attempts to resolve this issue. They may not be updating person info to directly keep accounts onto my report. They Have stated Vague research responses in the past to do so.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Public record

I had XXXX vehicles through metro credit union. I had XXXX vehicles on XXXX loan. They were both repossessed. I never received the the paperwork to this judgement that is now filed on my credit report for currently {$11000.00}. I recently went to the court house to get a copy of this judgement. First of all the reporting date that 's on the paperwork is n't the same as reported on my equifax and experian. But the part I found very disturbing is the paper work has the original loan papers which has the the Cadillac car and the GMC van on the same loan. I have the paper stating they repossessed the Cadillac and that they sold it and put that amount towards the balance that I owed. But for some reason it does n't mention that they sold the GMC van and if they did re sell it, they never added that balance to the amount that was owed. Which makes this amount that I owe not accurate. I do n't know if they sold the van or not. But what I do know is they are saying I still owe something that they have and if they sold it I was never compensated off the amount that I owed. The amount that has hurt my credit to the point of not being able to pay back because the interest is about almost or is 20 %. The court house that gave me the judgment paper work told me that this account to be paid off in full including interest is over {$22000.00}. How could I ever afford that? They have charged me interest on a amount that is not accurate and because of this it has ruined my credit life. If I would of been given the paperwork I could of fought this in court. The person they served had no right to sign for paperwork important paperwork on my behalf not to mention I did n't live there at that time.
Complaint sub-issue: Information belongs to someone else

I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to  place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.
Complaint sub-issue: Problem with fees charged

I have had repeated problems with Volkswagen processing my state registration and XXXX personal property tax payments. In the past, I have submitted a complaint to the CFPB about Volkswagen 's unfair practices with respect to collecting and remitting personal property tax payments. 

I moved to XXXX XXXX from XXXX XXXX in XXXX. I registered my leased VW in XXXX  effective XX/XX/XXXX. VW charged me around {$50.00} to process my title paperwork. They did not disclose these fees to me. They simply tacked them on to my next month 's statement. Given that they charged me to process my paperwork, they should know that my car is registered in XXXX. 

Despite the fact that my car was registered in Pennsylvania, VW paid my XXXXXXXX XXXX personal property tax through XX/XX/XXXX. This means they overpaid my property tax by over 6 months. I was charged an additional {$530.00} on my XX/XX/XXXX statement for the Property/Excise tax. Because I am registered in auto-payments, this amount ( in addition ) to my monthly payment was sucked out of my account on my normal payment date. VW should have realized based on processing my title work that my car was not garaged in XXXX or registered in XXXX from XX/XX/XXXX to XX/XX/XXXX. As a result, I was overbilled by roughly {$300.00}. 

When I contacted VW, their customer service agent confirmed that my personal property tax was paid through XX/XX/XXXX. When I told her that I no longer lived in XXXX and had not for over half the year, she told me that I had to submit a registration card to prove that I no longer lived in XXXX. It is UNFAIR and DECEPTIVE for VW to charge me me when they knew I did not live in XXXX Additionally, it 's UNFAIR that as a consumer that I need to proactively contact VW to tell them that they overbilled me. They should have contacted me and told me to submit a proof of registration if they needed one prior to processing my personal property tax payment. It 's DECEPTIVE because they do n't tell you how to recover your money after they overcharge you until contact them.
Complaint sub-issue: Account status incorrect

I just checked my credit record, and I regrettably discovered that a fraudulent requests had been reported. You are submitting information that is not your own. I'm writing to make sure my credit file always contains the most up-to-date information. Within the next 15 days, kindly remove the unlawful credit query from my file. 
XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX
Complaint sub-issue: Other problem

I have been a loyal customer of Macy 's for a long time. I make my payments on time always. I was very ill with COVID-19 in XXXX and XXXX but have continued having memory issues and health issues. I thought I had made my payment already to Macy 's. I didn't receive a courtesy call but instead had my credit score ruined because of a missed payment during my recovery. I have paid off the card and will likely terminate my business with Macy 's because of this.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX of 2017, I was stated to have missed 11 student loan payments because I had 11 different student loans from them at the time. It was stated that all 11 payments were 90-119 days late. This is not true. XXXX operates in a way that you pay a certain amount each month which THEY, not the individual making the payment, spread across the various loans that you have. That means that I only missed the 1 payment and not 11 separate payments. It also does not add up that the " 11 payments '' were all that late considering that every months payment after that was perfectly on time so I would not have had anything left to catch up on. I have contacted XXXX and they had me file a dispute but the dispute simply said that they found nothing incorrect. After calling them multiple other times, they then said that the issue was with the credit reporting agencies. I tried to contact Equifax, XXXX, and XXXX  to see what they can do but I have yet to get any answers about what can be done.
Complaint sub-issue: Trouble with how payments are handled

Nelnet has organized my loans into groups ( Group A, Group B, Group C, etc. ) and lists an " interest rate '' for each Group. For almost two years, I have been diligently making extra payments to the groups I believed had the highest interest rates. 

I recently discovered the 6.276 % " interest rate '' listed for Group A is misleading. Group A actually contains XXXX separate loans : Loan XXXX ( about {$20000.00} ) is at 6.8 % interest, while the other XXXX ( totaling about {$10000.00} ) are at 5.41 %. So, even though I believed I was prioritizing my highest interest loans, I have been missing a {$20000.00} loan hidden among loans with lower ( in fact, the lowest ) interest. 

This seems unfair and I can not help but suspect these groupings are intentional. A student loan servicer should not be able to hide high interest loans in a group with low interest loans, especially when that makes the entire group appear to have a lower interest rate. 

When I first spoke with Nelnet, they informed me the only way to apply payments strictly to Group A, Loan XXXX was to make a payment to all of Group A, wait for it to clear, and then contact their accounting department to reallocate the payment. This whole process would XXXX XXXX days. Concerned about the delay and the prospect of having to do this for every payment, I then asked them to separate my Group A loans by interest rate. They claim they are processing the request. 

I feel misled, but I am less concerned about my own situation than by the prospect of others having the same experience. This seems unfair and deceptive and I hope the Bureau can investigate whether Nelnet uses this practice regularly. 

Thank you for your assistance.
Complaint sub-issue: Other problem

Best Buy/Citi Visa and their criminal partner " The Retail Equation '' [ edit ] Best Buy and a third party : " The Retail Equation '' have figured out a way ( all be it, only for the time being ) to stop hemorrhaging money by declining your return, thus stealing your money. Buyer beware! If you try out product and make too many returns, they will decline your return and ban you from returning any product for the period of 1 year. REGARDLESS if you have a receipt and are in the 15 day return window. Most people do not know this is happening until it 's too late and you are stuck with the product. Best Buy does not notify consumers of this fraudulent practice. It 's theft from consumers. Best Buy executives ( XXXX XXXX ) will tell you there 's nothing they can/will do. ( they CAN lift the ban ). Calling The Retail Equation will get you no further. You 'll get some, barely able to speak English, representative who simply regurgitates the same sentence. " There 's nothing we, our anyone higher than me can do '' Best Buy and their criminal partners are suffering great financial losses and will be out of business shortly. Next stop for them? Prison!
Complaint sub-issue: Information belongs to someone else

I have sent 3 certified letters to get inaccurate inquiries, addresses and collection account removed. I have sent in my ids and police reports yet they claim they never received ANY of my certified letters. I have over 20 inquiries that resulted from the fraud and had incorrect addresses on my report too last certified letter was sent XX/XX/XXXX. 2022, I have called over 11 times to get this corrected. Months later and still not done.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX should not be reporting to Equifax and XXXXXXXX a collection/chargeoff in the amount of {$3400.00} on THE XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) On XXXX I provided the apartment manager a formal written notice, signed by a notary, that I would be vacating the premises and terminating my lease that was ending on XXXX. This notice was provided within the ( 60 ) day time period outlined in my lease. I have attached a copy of the written notice which was notarized for reference. This account is not in collections, there is no outstanding debt owed. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted The XXXX Apartments, as well as the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Threatened to sue on too old debt

I was called by a gentleman from CFS who states that he was contacting me for XXXX XXXX because I supposedly owe {$480.00} for a payday loan ( alleged account # XXXX ) that I supposedly took out with a bad checking account back in 2012. He could not provide me with any information about the company that I supposedly took the loan with and said that I could not talk to XXXX XXXX because it would be a conflict of interest. The phone # is XXXX and ext # is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My complaint is with XXXX XXXX and jefferson capital system a debt collector. # 1 on XX/XX/2019 i like i do several times a month for the past two years logged on to check my credit score. When i checked my score i see these guys jefferson capital systems have a collection on my report from a old XXXX bill that # 2 should have never been on my report since prior to all this XXXX XXXX XXXX bought me out of my contract with XXXX. Since then though do to a lay off / rehire reason my score originally dropped i have hired XXXX XXXX which im not to pleased with these guys timing and efforts either but nonetheless they did have this false information removed off my report for id say a year or little less until XX/XX/2019. So how is it that any of this is possible to begin with then after its removed just how do you think its right to come back to ruin someones credit a year later. I have disputed this and honestly im sick of dealing with all this when i admit i maxed out some cards due to a lay-off because of being holidays and childrens bdays but ive not in no way ran up a XXXX $ fee with these guys for it to be on my report. Thank you