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

Discover Student Loans, is yet again not processing payment of money order sent in. Friday XXXX XXXX XXXX I mailed out payments of XXXX money orders. XXXX for loan XXXX and XXXX for loan XXXX. That is now 3 WEEKS ago. Loan XXXX is NOT processed still. And now they are claiming I am late on payment. I fought this exact issue on XXXX of these XXXX discharged loans XX/XX/XXXX. 
I can not online view these loans balances. 
I can not give them payment in ANY form online. 
I get no mailed invoice, balance, statement or mailing adress monthly or every on loan XXXX and XXXX. 

I pay more then the minimal every month since XXXX XXXX. Once again, and again not first time on this happening 3 weeks in XXXX gets processed Loan XXXX this week ... ..two weeks later so much for 7 to 10 days, 2 weeks for XXXX and 3 weeks for loan XXXX not processed yet. Yet I will be told I am late on the payment and be penalized and magically the only time I will hear from Discover Student loans on these account sub loans XXXX and XXXX. I dont even know what I owe I have no means of viewing the balance!
Complaint sub-issue: Problem getting your free annual credit report

Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested Equifax report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.
Complaint sub-issue: Information belongs to someone else

I have already submitted a Complaint to XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The XXXX Credit Bureaus 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 the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Complaint sub-issue: Frequent or repeated calls

They continue to call and answer telling them that I am willing to work with them and that they try to get unnecessary information out of me that is not needed for me releated to my issue. I have medical issue going on and have had a reduce income to It and have fallen behind in everything. Everyone else has worked with me except For XXXX XXXX and allied interstate who hassle me until it is unnecessary and they call 18 times a day and not willing listen to what I am willing to with them at and i am just tired of being called On Sunday 18 times and all times of the mornin and night and needed personal informations that they do n't have any business in as credit card company, I just need help on what I can do to have a clear understanding of working with allied interstate and I have been blocking all there numbers coming in when I find out it is them because they do n't want to listen to what I am willing to work with them at they want to do there own thing when every they want.
Complaint sub-issue: Problem accessing account

Since the merger of BBVA with PNC starting on roughly XX/XX/2021 I haven't been able to access any of my four banking accounts with either BBVAs online access or PNCs online access. I am unable to know what is in the accounts, conduct banking transactions and pay bills. Ive also been accessed a non-sufficient fee once already due to not being able to see the amount of funds in the accounts. PNC keeps telling me my accounts are being transferred and I have to wait. In order to get any info about my accounts I have to spend hours at a local branch to conduct banking transactions and this is getting ridiculous. I cant manage my accounts and transfer money between accounts to pay bills as all my bills are set up on auto pay. At this point I just want to be able to transfer my money out of PNC Bank. I have no documents as I have no access to anything.
Complaint sub-issue: Didn't receive services that were advertised

I'm so embarrassed, I was led to believe my whole credit life that inquiries help credit because it gets your name in all their fancy systems. and hard ones were good for your credit report card. I even have my XXXX affected as well, XXXX XXXX. I think I created a horrible situation as my XXXX  is still in the start-up phase and I already quit my job a few months back cause I was ready to start my entrepreneurship in which I learned so much but was like why am I being blocked by loans, credit cards, etc. Never learning about inquiries in credit education as I was not satisfied with my financial education as I wanted the knowledge the leverage and run a successful business, not like most people. hard-headed perfectionist here but I misinterpreted credit inquiries now I'm in financial hardship XXXX  disaster level. please help CFPB I don't know what to do I got credit cards past due and probably identity theft up and down the web. I literally applied everywhere and my email is a spam fest. I'm literally crying
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Reporting company used your report improperly

I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and stalking over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and stalking reached an all time high and I became XXXX XXXX  unable to function as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an Equifax report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting incorrect last payment date for XXXX it states the last payment was XXXX XXXX and for Equifax it states the last payment was XXXX XXXX please verify and delete all inaccurate information
Complaint sub-issue: Attempted to collect wrong amount

This debt was to be covered by XXXX, I was covered by XXXX, if it did not get covered by XXXX then it was to be covered by XXXX.
Complaint sub-issue: Received bad information about your loan

I have ask Fedloan Servicing on XX/XX/2019 via email to provide me with the estimated value of my loan in 25 years when it will be forgiven. No response see was provided until XX/XX/2019, which stated that it is impossible to calculate. I gave them an average payment I make per month and the interest rate and asked them to calculate that on XX/XX/2019. No response was given until XX/XX/2019 stated it was impossible to calculate. The problem that they refuse to acknowledge is that I have a right to know the approximate value of my loan at the end of the term. I owe {$180000.00} at this point. I have paid {$26000.00} in 6 years on the loans and only {$1000.00} has gone towards principal. I have no way of getting ahead on these loans without information. They refuse to provide that. It is criminal how little of my payments have been used to cover principal and I am also complaining about this. I have called in multiple times in the past to find out if there are better programs available to me and none are given. At this point, i can only guess that I will owe over {>= $1,000,000} at this rate putting me owing an amount of taxes I will never be able to afford. I need help to figure this out because I am in financial ruin over this and will most definitely be bankrupt at the end of the term and need to figure out my options. I can't do so without an somewhat accurate idea of what my financial situation will be which is based in this loan and some sort of payment plan that doesn't have me giving tens of thousands of dollars to a government agency via a ridiculous amount of interest they charge that can not even be applied to hiring staff educated enough to answer a simple question. I have paid {$26000.00} for 1 simple question to be answered and I would like a response. In XX/XX/2019 after complaining about this via the CFPB website, Fedloan Servicing sent a response telling me how much I would owe in 10 years with Public Service Loan Forgiveness. I DO NOT QUALIFY FOR THE PROGRAM THUS THE REASON I ASKED FOR THE TOTAL OWED AT 25 YEARS! PLEASE PROVIDE TOTAL AMOUNT OWED GIVEN MY CURRENT PAYMENT AT THE END OF A TWENTY FIVE YEAR TERM.
Complaint sub-issue: Old information reappears or never goes away

Ive had this XXXX account removed from my credit already through XXXX XXXX XXXX and they keep putting it back on there. The amount keeps going up and they keep switching the agencies to put it back on there. plus this account is over XXXX years old!! They just recently reopened it XX/XX/2022. I dont understand this. Im trying to buy a house and they messed everything up!! Please help me!!!
Complaint sub-issue: Information belongs to someone else

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX   XXXX  credit file was removed from all credit bureaus after dispute after glitch with  XXXX   XXXX  or Credit Bureau. Equifax credit bureau reinserted  XXXX   XXXX  without notice.  XXXX   XXXX  was also reinserted as a loan on my Equifax credit file.  XXXX  is a wireless company not loan company and should not be on my credit file.      **In  accordance with the requirements of the FCRA  as s tated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA  611,  Procedure in case of disputed accuracy  [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.    *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph  ( A ) , the information  may  not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   Additional information.   As part of, or in addition to, the notice under claus e ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 b usiness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserted ;  ( II )  the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; an d ( III ) a  notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I received no such notification.   This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Complaint sub-issue: Information belongs to someone else

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with statement of dispute

I sent a certified letter of request to all XXXX CRA 's in XXXX, XXXX, to remove from the record a XXXX, XXXX, Chapter XXXX bankruptcy. I based this request upon having first disputed the public record in XXXX, XXXX, to verify the public record, and then again in XXXX, XXXX XXXX Equifax Confirmation # XXXX XXXX, as to its source of verification. All XXXX CRA 's stated that each has verified the source that furnished the information and that " the public record is reporting correctly. '' I then reached out to the XXXX Bankruptcy XXXX XXXX Arizona to request how it reports bankruptcies to all XXXX CRA 's. I received a detailed letter dated XXXX XXXX, XXXX, from the Deputy Clerk of the XXXX Bankruptcy XXXX XXXX Arizona, XXXX XXXX, in which he states that " the bankruptcy courts do not provide information to the credit reporting agencies, '' and credit reporting agencies and " other providers '' get their information gleaned from public notices. I sent a copy of this letter to each CRA, along with a copy of the FTC-FCRA Opinion XXXX legal statute generated as a result of matters such as this in which CRA 's argue each has verified the public records with the source, but the actual sources argue they never furnish public record information to any of the CRA 's. When I called on each CRA to immediately remove my bankruptcy public record as a result of the letter from my bankruptcy Deputy Clerk and the legal statute protecting consumers from false information being reported by CRA 's, only Transunion deleted the bankruptcy public record. Both Equifax and XXXX although promptly responding within 30 days to my certified letter request to remove the bankruptcy public record, as a result of my written request denied it with only a result of that the record remains, and that " I must contact the furnisher of the information. '' Frustrating! Aaaaargh! However, again, I did this to begin with -- hence, how I received a letter from the XXXX Bankruptcy XXXX XXXX AZ in the first place stating it does not furnish information to the CRA 's, and so I provided a copy of this response to each CRA. Again, only XXXX promptly deleted the public record. Both XXXX and Equifax either will not or denies there is enough evidence from me to have them delete the record. Equifax even went as far as to state, over the phone, that I need to have a legal letter of expungement from a court to have this public record deleted. This is absolutely false and untrue. This is a direct violation of the XXXX XXXX XXXX legal statute protecting consumers. Each CRA has a copy of the letter from the XXXX Bankruptcy XXXX XXXX AZ. What more damning evidence does XXXX and Equifax need before it promptly and legally deletes this public record from my credit reports? I am simply dumbfounded by what I can only construe is arrogance and a staunch stance by XXXX and Equifax to not remove this public record in spite of evidence showing each has lied or misrepresented itself and thus is refusing to acknowledge the XXXX XXXX XXXX XXXX statute regarding my dispute as well as the letter from the XXXX Bankruptcy XXXX XXXX Arizona.
Complaint sub-issue: Investigation took more than 30 days

DEPT OF ED/XXXX  {$2000.00} 40 % paid off 6 late payments DEPT OF ED/XXXX  {$2400.00} 31 % paid off 6 late payments part of the XXXX  ftc violations XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc DEPT OF EDXXXX DEPT OF EDXXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I attempted to opt out of The Work Number they refused.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

After becoming 60 days behind on an auto loan I called XXXX XXXX XXXX to arrange payment of two payments in two days ( when I got paid ) the representative refused to accept the post dated payment and demanded I made payment that day or the the loan would be put into default and the the car repoed in which I couldn't for two days and I was hung up on. Car was repoed a few weeks later. Not only was I not sent any of required documents regarding the sale and the remaining balance personal items including a GPS several hundred dollars worth of my wife 's school books and other things where left in the vehicle and after several attempts to get these personal items they continued to refuse unless some form of payment was made.
Complaint sub-issue: Information is not mine

I have submitted several " account verification letters '' to Equifax about accounts that do not belong to me, and I have no knowledge of. I have asked the credit bureau to provide me with their verification method as well as verification that the account belongs to me. The credit bureau just sends me a letter that states " verified '' without any other proof that the account is mines. 

Account : XXXX XXXX XXXX ( {$180.00} ) Account : XXXX XXXX XXXX ( {$220.00} )
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I have filed numerous FTC reports about the issue. I have disputes these account with the credit bureaus. They have not removed them, and have not proven that they are mine. A signature or contract can not be produced with any of these accounts.
Complaint sub-issue: Deposits and withdrawals

im trying to sync XXXX to my bank account it said to file a report so that i can get access to link the 2 programs
Complaint sub-issue: Their investigation did not fix an error on your report

Please remove XXXX XXXX from my account for Violations and Inaccurate Inaccurate of open day Inaccurate of payment history Inaccurate balance This is a Violation