Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XXXX, XXXX and XXXX of XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XXXX was missed therefore I paid two car notes in XXXX in the amount of {$1400.00} for both months. I paid XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XXXX XXXX and XXXX, XXXX in which they should not have been trying to do, then received XXXX 's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment onXX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I bought an appliance from Conn 's for the first four months I had to go into the store physically call constantly to try and get my balance paid they kept telling me they were going to send me a coupon book each month I kept asking for the ding coupon book to know avail it should not be my responsibility to have to drive to the store every month to make phone calls every month repeatedly requesting something that I was told at the time of purchase would be submitted to me when they send me my coupon book and take it this negative off my report I'll be more than glad to pay but until they finish me the necessary documentation I should not have to go out of my way every month to get this issue resolved I keep getting told you can pay off the balance you can pay off the balance I don't want pay off the balance I want my coupon book that I was told I would get so I can make monthly payments know exactly what day they're due they are very unprofessional and they really don't care but they sure do want to go out and hurt you and as far as credit goes
Complaint sub-issue: Account information incorrect

Equifax breached my personal info and wont delete the XXXX account on my report also my credit was checked 35 times it should have been deleted via their website, its not on XXXX or XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2017 Alert Type Inquiry Processed Date XX/XX/2017 Inquiry Date 2017-XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

Law firm sent me a notice of property foreclosure sale for my 2nd mortgage. 
I have not received notice of the debt or notice to validate the debt. There is a property foreclosure sale date set for XX/XX/2109 for my property. I also did not receive a 30 day notice by mail per the Tennessee state law. Letter is dated XX/XX/2019 but I did not receive the letter until XX/XX/2019. They are trying to foreclose on my first mortgage and I'm current with my first mortgage with a different mortgage servicer. 2nd mortgage is the delinquent mortgage, instrument number in the letter is for my 1st mortgage and not my second mortgage.
Complaint sub-issue: Deposits and withdrawals

I had several fraudulent transactions in my account that were generated by the same person/company. Upon reporting it, Ally has refunded the money on most of them. However, they initially refused to refund the very last transaction. Their reason was that I reported it too late. However, I report the very next day after that last transaction. After views, they refunded a portion of the fund, {$3400.00} out of {$5800.00}. When I asked them, they could not tell. This is after numerous phone calls and hours of waiting. Upon my pressing for an answer, they promised a call back within three days from an Executive group employee, but it never happened. When I called again this morning, I was told to patiently wait. The fraudulent transaction happened on XX/XX/2018. It has been almost 3 months. I don't think this is acceptable. Please help.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Problem with statement of dispute

I have asked Equifax repeatedly over the past few weeks to remove dispute comments off my account. These are MY dispute comments ( and the dispute is closed ) so it is MY information to delete. The other XXXX major credit reporting bureaus did this for me immediately, but all Equifax will do is add another dispute to these accounts, to dispute my dispute comments. This is even worse! I need these dispute comments taken off immediately.
Complaint sub-issue: Received bad information about your loan

I own and am responsible for a substantial amount of student loan debt. The burden of my debt is held by XXXX XXXX. I am a full-time XXXX XXXX  at a XXXX, XXXX XXXX  in XXXX Montana. I am attempting to participate in the Public Service Loan Forgiveness Program. Although I have been told countless times via phone conversations and through written correspondence that my loans are now consolidated and held by XXXX ( the last of which I know to be true as I make monthly payments to them ), I have been waiting for more than a year to hear back on which of my payments count towards the necessary 120 that need to make in order to receive forgiveness. I have had multiple attempts to contact XXXX and PSLF representatives and have received nothing other than, " what you are doing is right, your paperwork looks good, we do not need further information from you at this time. '' When I query them as to why I have had to wait so long to see how many qualifying payments I have made thus far, I am told, " It just takes time. '' When I state that some of the first paperwork I received from XXXX after they pulled all my loans over and made themselves my servicer was that it would take up to 3 MONTHS to get notice of what payments qualify for PSLF, they sit in silence on the other end of the line and offer no further guidance. Immediately after becoming my servicer, they put my loans into a forbearance state with no explanation. I received correspondence via mail thanking me for MY choice ( which was never mine ), saying that I had authorized this. They do not have my signature on anything stating this was okay. 
I am hindered in my life choices by my student loan debt. I take responsibility for my XXXX,  XXXX XXXX   childhood. I have worked unbelievably hard to pull myself away from all of that. My present and future life choices were meant to be relieved of the burden of this debt for the dedication I have given to raise myself from poverty and for the determination I have to continue to keep away from it. Now, this program has become a punishment and I am made to pay all over again for the mistakes of my family, of myself. I should not have to settle for average, for " barely scraping by '' when, given an opportunity, I could be extraordinary. I want to fly, I want a life unencumbered by the student loans that suffocate me, I want the American dream. This program was supposed to be the springboard to those next steps. Without it, how can I help Make America Great Again?
Complaint sub-issue: Deposits and withdrawals

I have a citi bank account and after making a coupling of transactions I was blocked from using the account. Now when I call them Im being told that I need to have access to an old phone number that I no longer have and have not had for over a year now. The only other option Im giving is to wait on a letter but Ive been locked out of my account for over two weeks now and this is unacceptable. Its very strange that they would allow someone who has my old phone number access to all my banking information and personal details.
Complaint sub-issue: Account status incorrect

Enhanced Recovery is reporting an old account on my credit file that I would like removed. I have settled the debt with them and ask that this account is removed from my credit file. Under the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to remove any account since you are the original furnisher. I have settled the debt with you and am now asking you to provide a letter to the bureaus stating this account should be removed from my credit file. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.
Complaint sub-issue: Problem getting your free annual credit report

Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from Equifax, XXXX, XXXX, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern, On XX/XX/XXXX and XX/XX/XXXX, I sent all 3 Credit Bureaus certified letters asking for Validation of the debt stated below. They never sent me any letters and accounts still remain and have not been fully validated. 

XXXX XXXX XXXX Discover Bank XXXX XXXX XXXX and XXXX! 

Regards, XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Complaint sub-issue: Trouble with how payments are being handled

I recently refinanced my student loans from the loan servicer, XXXX to a student loan refinancing company called XXXX. There was a credit in the amount of {$780.00}. This amount has not been applied to my balance with XXXX or me directly. I contacted both companies, XXXX and XXXX. I am not to obtain a status on the balance. 

I am also accruing interest against higher balance than I should. I am requesting the assistance of the Consumer Financial Protection Bureau to assist in resolving this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX, 2020, I realized that my personal information has been misused by an identity theft crime. Exactly seven different credit accounts were made with my personal information. Six accounts are listed below. 
XXXX XXXX XXXX XXXX ( {$3700.00} ) XXXX  XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX XXXX XXXX XXXX ( {$8100.00} ) XXXX XXXXXXXX XXXX XXXX   XXXX  ( {$14000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX To resolve this problem, I have made and submitted an identity theft report from FTC to all three credit bureaus and made additional police report regarding the identity theft crime and submitted that report to all three credit bureaus as well. 

I also requested verification and validation of each accounts to the creditors and they did not provide me any detailed information regarding who might be responsible for these accounts. Because the credit bureaus and creditors did not find who might be responsible nor have significant proof that I am the one who made these accounts, all accounts that were involved with identity theft must be removed from my credit report. 

The remaining fraudulent accounts on my credit report are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Used obscene/profane/abusive language

Me & my fiance were contacted by a collection agency yesterday afternoon, and feel we were treated unprofessional, inappropriate, & the issue was not taken care of. We felt uncomfortable releasing personal information about ourselves over the phone first of all. Second, the case workers were very reluctant to give us information on how or who we can contact in order to resolve the problem. Overall we feel that we could have been treated more professional.
Complaint sub-issue: Information belongs to someone else

I had my credit ran today XX/XX/2020 at XXXX because I was trying to finance a phone with them however, I was unable to do so because apparently there are several accounts in negative standing appearing on my credit history. I was surprised to hear this because I rarely even use my credit and when I do, I always make sure to pay everything on time. I looked through a copy of my credit report and I saw four accounts that are not mine. Three accounts are from a company called XXXX XXXX and One account is from a company called XXXX XXXX XXXX. I never opened any account with either of those companies nor did I give anyone permission to open these accounts in my name. I do not have any written or verbal contract with these companies nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I have already filed a police report.
Complaint sub-issue: Account status incorrect

XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX is reporting information on XXXX XXXX BANK XXXX account that is incomplete and inaccurate. I never gave EQUIFAX written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.
Complaint sub-issue: Reporting company used your report improperly

While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My Credit score has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquir e WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders of f. So HOW can my FICA be lower? OF course you 'll give me the unfortunately leaving o ff the total debt is less.
Complaint sub-issue: Frequent or repeated calls

I spoke with a representative on XX/XX/2019abd told them of my situation and why I currently can not pay a single dollar. I do not work. I don't have any means of being able to work. I have a possible opportunity coming up to work from home and training may start next month. Since that conversation I have recieved 8 phone calls. Nothing has changed and won't until possibly next month to recieve any money but yet these collectors keep calling me.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I began college in XXXX. I applied for a loan with Sallie Mae because my college, XXXX XXXX in XXXX PA, refused to give me financial aid because my parents income was " too high '' despite the fact that they did not help me. I applied with a cosigner and every loan I took out raised my interest and my payment. I was told when originally taking out my loan that it would not affect me taking out multiple loans instead of one per semester. They pushed me to take out multiple loans rather than one large one. Even when my father, who has the larger income, was out of work, we asked for help or financial aid and XXXX told us to pull me out of school if I could not afford it. Sallie Mae also refused any help despite the sole income for my payments being on disability. I was told after college that I would be offered different repayment plans to help pay because of my high interest rate. I graduated college in XXXXXXXX XXXX XXXXXXXX. A year went by of deferment and I was told I could apply for a " graduate '' repayment plan for a year after. I called one month for my last deferment plan and they told me I had until ___ ( I can not remember the exact month ) to apply for the graduate repayment plan. I called back before the end of the deadline that I had been told, that I was too late to apply for it. I told them that I was unable to pay my loans with my current income and asked for an income based repayment plan. They told me they do not offer that, but if I let my payment default, that the collections people would offer me other solutions for payment options. I asked to speak to them before then because I did not want to miss my payment and they said no. I let my payment default, with no other option, and they told me my only option was to pay my payment. The payments I have take up my entire paycheck and leaves me with no extra money left over. I went back to school and took classes to help defer my payments with interest only payment and still have been offered no help with repayment plans. I have asked monthly about any help they could offer and have been told I'm out of luck every time I have asked. I have also tried to refinance through multiple companies and been denied because no company wants to refinance a Sallie Mae loan. Even now, I have asked for an income based repayment plan and been denied. My payments now, without school forbearance, would be around {$2700.00}. My current income is {$3700.00} a month, leaving a {$1000.00} for food, rent, car payment, and other living expenses for a month. I am unable to pay this and have expressed this to Sallie Mae multiple times with. no help. I am constantly told that it is my problem and they have no help to offer me. My current loan total is {$170000.00} for an undergraduate degree. I have been taken advantage of by XXXX XXXX and Sallie Mae, starting when I was XXXX and a first generation college student. I did not know what I was doing when I was younger and now have to suffer the consequences of my naivety.
Complaint sub-issue: Information belongs to someone else

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent accounts listed. These have impacted my ability to receive credit and have provided unnecessary inconvenience. Please remove these fraudulent accounts from my credit report.XXXX XXXX XXXX {$1000.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX {$540.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX {$710.00} and XXXX XXXX XXXX {$4200.00}. I have attached copies of the FTC Identity Theft reports with this complaints. Te 2 reports numbers are XXXX and XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$360.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX FIN XXXX Balance : {$5000.00}
Complaint sub-issue: Old information reappears or never goes away

On my XXXX Credit Report : XXXX XXXX XXXX has three ( 3 )  accounts listed as closed : Negative, XX/XX/XXXX, Paid, XX/XX/XXXX, Negative, XX/XX/XXXX. I have an account in collections listed as XXXX XXXX XXXX listing XXXX XXXX XXXX as the original creditor with an Open Date of XX/XX/XXXX and a balance of {$6900.00}. This is an old account, can not be verified and needs to be removed. 
XXXX XXXX XXXX Shows an account in collections for {$2500.00} that was opened on XX/XX/XXXX with an original Creditor of XXXX XXXX XXXX. I lived in those apartments over 6 years ago and was completely unaware of any debt, this needs to be verified. 
XXXX XXXX XXXX . is listed for collections with an original creditor of XXXX XXXX XXXX  XXXX XXXX. for {$1000.00} with an open date of XX/XX/XXXX. I have no collections with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX listed as a closed account in XX/XX/XXXX XXXX