Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Having problems with customer service

I am unable to reach anyone by telephone for XXXX of my private educational loans for law school. Specifically, the loan disbursed in 1998, with the account # XXXX, by The Access Group ( XXXX ) had me on hold for over 20 minutes before I had to hang up to work. 

I have had trouble with many aspects of the servicing of this loan, including not being able to reach the servicer to learn the balance or what is going on with this loan. I believe that excessive interest has been and is being charged on this loan for a variety of ongoing accounting errors. 

Please have someone from The Access Group contact me and require that it provide telephone numbers where people actually answer the call who can answer questions about my loan in a reasonable amount of time. Please also procure a significant discount off the loan for their failure to provide access to personnel who will answer questions about it and increase the amount of the discount with each recurrence.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard inquiries on credit report from unknown sources and lines of credit I did not apply for XXXX XX/XX/XXXX inquiry XXXX XX/XX/XXXX inquiry
Complaint sub-issue: Reporting company used your report improperly

I have 4 missed payments reporting to my credit from XXXX XXXX ..those where clearly an miscommunication or somethingthe account has been paid off and on time!
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX : XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1000.00} FIRST XXXX BANK XXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} EQUIFAX : XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} XXXX : XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$1000.00} XXXX XXXXXXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$1800.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance : {$270.00}
Complaint sub-issue: Billing dispute for services

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Discover Executive Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX DEXXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my discover card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. 
I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. 
I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. 

I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. 

I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus. 

Thank you. 

Sincerely, XXXX XXXX XXXX cc : Director Federal Trade Commission Bureau of Consumer Protection Consumer Response Center, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX T whom it may concern Discover is reporting my late payments in error! 
this is the letter I wrote to XXXX XXXX on XX/XX/2021 XXXX XXXX Executive Vice President Of Credit and Card Operations XXXX XXXX XXXX XXXX XXXX DEXXXX Dear XXXX XXXX XXXX : An inexcusable situation has recently occurred with my discover card ending in XXXX. I entered the payment protection progam on and discover was inaccurate in their reporting. 
I was under the full impression that while in this program my credit would be protected from negligent reporting to the three credit bureaus, unfortunately for me I had Seven ( 7 ) months in a row of late payments. 
I have attempted to resolve this problem myself, but my attempts have been unsuccessful. Therefore, I trust you will personally and promptly do so for me. 

I have patronized your company for many years. Furthermore, I have promoted my satisfaction to my friends and family, who have then become clients of your company as well. Unfortunately, I felt it necessary that these many customers must also be made aware of the outrageous situation in which I have found myself. 

I expect an immediate and full refund of money discover charged my account while I was in the payment protection program by no later than two weeks from the date of this letter. Until I hear from you with this resolution, I will be forced to continue to dispute these late payments to all three credit bureaus. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX Federal Trade Commission Bureau of Consumer Protection Consumer Response Center, Room XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX
Complaint sub-issue: Debt is not yours

In a letter dated XX/XX/XXXX from ERC, I received a response to a previously disputed debt. ERC sent a response to a validation request after I informed ERC that I do not owe them or XXXX, the original creditors. I told them to remove the debt completely from my credit report as it is not a debt or settled. XXXX falsely advertised that they provided high speed internet in my area when in fact they didnt. XXXX eventually sent me a refund check. The service was activated and cancelled the same day because it was not high speed internet. It was dial up and it was extremely slow. High speed is not offered in my area from XXXX in early XX/XX/XXXX. XXXX should not have place me in collection and ERC has been informed of all this. I want ERC to remove the bogus account because they dont even have the correct account number at all and I do not owe ERC or XXXX and they keep sending me correspondence and putting damaging remarks on my credit.
Complaint sub-issue: Trouble with how payments are being handled

I am enrolled in the Public Student Loan Forgiveness program ( PSLF ). In XX/XX/2021, I submitted a paper ECF because my employer was not listed in the PSLF tool. It is a state agency. On XX/XX/2021, I sent in another ECF using the PSLF tool because my employer was now listed in the tool. The months of XXXX and XX/XX/2021 were certified within a week ( with the same employer! ). The months of XXXX and XX/XX/2021 are not certified because they were sent via paper application. I have 118 payments qualified for forgiveness and 123 in total. The delay in the XXXX and XX/XX/2021 certifications are causing a delay in my forgiveness. 

During the time it has taken for Fedloan and FSA to review my certifications, I have reached two additional payments eligible for certification. I am frustrated and concerned about a delay in my forgiveness due to a bureaucratic and illogical delay in my certification. My concern is increased with the forbearance due to Covid-19 being up in XXXX and with the news that PHEAA will end its service contract in XX/XX/2021. 

Please provide assistance in expediting my matter. I already have a FSA complaint and they have not assisted me in a timely fashion. Thank you.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2020 I went to XXXX XXXX/XXXX  on XXXX XXXX in XXXX, TN to try to trade my car for a car they had for sale. I told the salesman - and 2 managers - that I ONLY wanted to use XXXX XXXX for financing because I currently had a car loan with them for 5 years in very good standing. I even wrote this disclaimer in big letters on the first sales contract they gave me. I had their 2 other better deals offered at this time, but went home to think about it and a few hours later called and they sold the car out from under me. Yesterday, they called me about dealing on another car if they get onXXXX in. I said yes and then when I got home last night, they had sent my application to 13 other finance companies without my permission. I got emails from a credit protection company I use, in fact I got 10 emails, so I checked my file and all those inquiries had caused my score to lower 11 to 13 points. All this without my authorization to send my application and NO OTHER CAR DEAL involved with my application from 2 weeks before. This is a violation of the fair credit act and violates my privacy and is in violation of my contract on the first car where I wrote in big letters ONLY FINANCE WITH XXXX XXXX. I want the credit inquiries taken off my credit file and the dealer to make amends for abusing me.
Complaint sub-issue: Reporting company used your report improperly

Equifax violated my rights a Consumer when they reported these accounts on my credit report. I never gave Equifax permissible purpose and by law I have the right to exclude what I want from my credit report as I explained in the dispute letter attached.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2022 I called Equifax because my Credit Score will not display on any of my Credit Reports. I am contacting your agency because this issue was suppose to be resolved in 72 hours but I still don't have a Credit Score from Equifax. Please can you rectify this important issue.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Inquiry Date XX/XX/2021
Complaint sub-issue: Frequent or repeated calls

Hello, this is a follow-up for a request to provide more information for COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE Communication tactics. 

I have provided correspondence with XXXX homes from XXXX. When I log into the portal link, it states I don't have a complaint. Please see complaint # from XX/XX/XXXX. Thx.
Complaint sub-issue: Debt was result of identity theft

i called collection company multiple times and let them know it was fraud and they won't resolve
Complaint sub-issue: Investigation took more than 30 days

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights XXXX. Harassment or abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well
Complaint sub-issue: Problem with customer service

In dealing with  Sallie Mae Student Loa ns, I have repeatedly tried to tell them that I could not make my $ 600+/month payment. I have asked repeatedly for options in the past and have asked the company disclose ALL relief options to me. Representatives were unwilling to disclose options to me because they " ca n't '' or claimed that paying the full past due amount was my " only option ''. It was n't until recently when my account became so past due to the point of nearly charging off that I was actually able to get some sort of disclosure for options but because they did not give me this information in a timely manner, I have a smaller window of time to even make a decision which is not fair on my end as a consumer. Also, this morning, I received a phone call at  XXXX  from  XXXX   XXXX   , a  representive fro m Sallie Mae a nd this is outside of the hours that a debt collector can call.     I 've also had bad experiences with  XXXX   XXXX  and the use of aggressive verbiage as an attempt to scare me. He was notified within the last week to not call on my account as I am working with another agent in another department, yet I am still receiving calls from him.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name XXXX XXXX, I've been XXXX from the US Military since XX/XX/XXXX. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX  from the Military in XX/XX/XXXX, I have not lived in no other state. I built my home here and have always live here in south Florida after I XXXX  in XX/XX/XXXX. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2022 went to XXXX XXXX in XXXX XXXX Texas and inquired about getting new car they specifically stated they will do a soft credit pull, but unfortunately they did a hard pull, then today XX/XX/2022 I get a report on all 3 credit bureaus about hard pulls on like 20 companies that I don't know off nor have heard them, contacted the companies and they don't have an account with me after not giving me an explanation on who authorized or when or why, called XXXX, called the credit bureaus, called everyone and no one has an answer no one is taking responsibility I'm now stuck with hard inquiries that will be in my credit report that I have no knowledge of
Complaint sub-issue: Not given enough info to verify debt

I contacted this company via XXXX mail requested validation of the account, the debt and the information that they are reported to the credit bureaus which is inaccurate. I have disputed this account and the information with the credit bureaus and they reported back to me that the information is correct. I would like to know how is the information correct when I know for a fact that it is not and the company has not responded to my request to validate their claim. For XXXX, I am not in a Chapter XXXX bankruptcy and this account is currently reported as a negative account that is in bankruptcy on my credit files. This account was opened in XXXX, in which it is to old to be on my account, especially with negative in accurate information being reported. They never gave me a chance to dispute their claim as well, especially with it being negative information. All of my loans are consolidated with another lender and they are up to date and current, it 's not fair that these accounts are listed as negative on my credit file with inaccurate information in which the company can not and or refuse to validate with competent information. I would also like to know what type of evidence or validation the credit bureaus received in their investigation that verifies that their claim is accurate.
Complaint sub-issue: Information is not mine

i requested my equifax report XXXX initially XX/XX/XXXX. at that time i learned that a family member was using my credit fraudulently. i immediately contacted equifax via snail mail XXXX and online. i later reviewed my equifax report XX/XX/XXXX and learned that no changes where made. i emailed the company again on XXXX occasions the only answer ive received at this point is that they didnt recieve the initial complaint but the new complaint is being investigated. my complaint is, equifax is in violation of federal law each day that goes by reporting false information. the problem is they know us consumers have no legitimate recourse to insure they operate within those laws.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 in one or more ways. 

XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX & XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX # XXXX & XXXX, has violated my rights. 


XXXX5 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 instru
ctions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt resulted from identity theft

father used my social security number to take out XXXX credit cards under my name
Complaint sub-issue: Account status incorrect

I called XXXX ext XXXX. I spoke with XXXX in the Department for garnishments. I advised here that the I never received any correspondence regarding it being closed. I was advised that XXXX was not included on the Judgement. Apparently there was an arbitrary charge form the apartment complex of over 2000.00. I asked how is the judgment line showing the entire balance when a little over 1400.00 was the amount I was ordered to pay. When I was initially contacted by the collection agency, I placed on notice and filed a CFPB complaint ( circa XX/XX/2015 ) asking for a itemized report of the additional charges after judgement was granted. 30 days has since past ( two years ) and never was validated. I have agreed to pay the XXXX ( court cost ) to close the judgement but will not pay the arbitrary charges post judgment.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX  to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXXXXXX XXXX {$650.00} XXXX  XXXX XXXX XXXX {$150.00} XXXX   XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX {$650.00}
Complaint sub-issue: Fee problem

On XX/XX/2020 PNC charged me an NSF fee, after illegally returning a check that cleared and posted to my account on XX/XX/2020, and further misrepresented the way their product Virtual Wallet works. 

Please see attached documents
Complaint sub-issue: Other problem

CitiBank lowered my credit limit after I made a large payment and now I'm not able to pay bills that I would have been able to make under my original credit limit. They only sent me an email the day they decreased my limit. I believe they lowered my credit limit so they could limit my cash back rewards that were part of the card. I have always paid the bill on time or within 30 days of due date.
Complaint sub-issue: Their investigation did not fix an error on your report

I CAN NOT believe that EQUIFAX is STILL reporting the account XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Equifax verify inaccurate information as accurate? By law it is Equifaxs job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XXXX and XXXX. I am challenging this account for the third time. I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Equifax lists a past due amount of {$530.00}. How is this accurate? 

Each bureau lists a different open date. XXXX  XX/XX/XXXXXX/XX/XXXX/Equifax XX/XX/XXXX, XXXX XX/XX/XXXX. How is this accurate? 

XXXX  lists that the last payment was made on XX/XX/XXXX yet the payment history shows that the account was paid satisfactory from XX/XX/XXXX-XX/XX/XXXX. How is that possible if the account was charged off? How is this accurate information?