Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't decrease my monthly payments

I have over {$200000.00} in existing student loan debt, both federal and private. I have been working XXXX jobs, 7 days a week, to try and get by and repay my loans as best I can. XXXX years post-graduation, I have NEVER missed a payment despite my monthly payments being over {$2000.00} combined. 

I contacted Discover Student Loan, who services about {$85000.00} of my private student loan debt, because they advertise on their website that they have Repayment Assistance Programs for struggling borrowers. Several of the programs offer either reduced monthly payments or interest-only payments for a period of time. 

I spoke with a very pleasant lady who understood my issue and wanted to help. She took my information and looked into " what programs I qualified for ''. She advised me, at this time, I do not qualify for any of the repayment assistance programs. I was n't sure exactly what she meant by this so I asked, what exactly would qualify me for the programs. She did not know, but simply that I did n't qualify. 

I asked what, in the future, I would need to do or have done to me in order to qualify for the student loan assistance programs. She said that she did n't know but that I simply am not eligible despite not being delinquent on any payments now or ever. 

I do n't understand what kind of game Discover is playing. If my situation is not the ideal one for the repayment assistance programs, I do n't know what is. I am being CRUSHED by student loan debt and, yet, I am doing everything in my power to not default or miss payments. I am trying to be a responsible borrower and live up to my end of the bargain, but the private student loan companies are making it very difficult. Defaulting on my loans becomes a more and more enticing option every day. 

Please help!
Complaint sub-issue: Debt is not yours

I am a member of the XXXX XXXX Im currently XXXX  right now and received a notification that I had a collection account. I looked on my report to see that I had this same collection that I disputed a year or two ago and it popped back up. I have an XXXX XXXX alert and a fraud alert on my credit file. I have tried to resolve this before and now its back on my credit. I plan on taking legal action as soon as Im back in the United States. Im in the military and cant monitor my credit daily.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living breathing human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they have violated my rights numerous times.

I demand the accounts listed below be removed from because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX  accounts ending in XXXX and XXXX XXXX account ending XXXX XXXX XXXX  XXXX  XXXX ending in XXXX XXXX  XXXX XXXX account ending in XXXX XXXX accounts ending in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX account ending in XXXX XXXX XXXX accounts ending in XXXX and XXXX
Complaint sub-issue: Qualify for a better loan than offered

On XXXX XXXX 2011, I decided to attend XXXX XXXX in XXXX MI to attain a XXXX. Upon entering this campus to sign paperwork for submission, I was surprised to see that there was a loan officer with the XXXX representative. As we hurriedly did the XXXX paperwork, the loan officer was taking my information as well. I was real uncomfortable with taking out a private loan that I felt I was rushed into. But I went with it since I wanted the education. She ran my credit I was pre-approved for {$8500.00} at 6.8 %. I was told that I 'd have {$20.00} in school payment amount and {$100.00} when I graduated. My husband would be the sole provider of income for our XXXX yr old son and unborn daughter during the 11 month long program. Little did I know that {$20.00} would be hard to come by. I will never forget the day I was in class listening to lecture and the next thing I know the door opens and someone calls my name. So I get up to meet the woman in the hallway. She said, " You are behind in your payments and you have to make a payment now or you ca n't go back to class. '' So I made my payment and she let me go but since the door locks when closed I could n't get back in until there was a break. It was over an hour. That never happened to me again but it happened to other students constantly. The teacher even said XXXX day when it happened to another student, " You got ta take care of your business or you ca n't come back. '' Little did I know about the loan I was coerced into taking was n't what I thought it was. It was XXXX loans, Note XXXX principal XXXX XXXX principal XXXX with a grand total balance of {$16000.00} at 14.9 %. My monthly payments are {$350.00}. It is very difficult to pay this now and provide for a family. I have paid {$3400.00} in interest and I still owe {$9200.00} in total balance. I understand that {$20.00} a month sky rocketed my interest but I could n't work while in school and I feel that this Genesis Lending took advantage of this. They bate you with the 6.8 % interest and when you actually see your real rate there is nothing you can do unless you want to put off school for another year. I 've tried to lower my rate but they do nothing to help you. I just feel buried in this debt and causes a real burden on my family.
Complaint sub-issue: Their investigation did not fix an error on your report

This company AVANTE XXXX is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, AVANTE XXXX   did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994
Complaint sub-issue: Problem with personal statement of dispute

I was n't aware that checking to see if I was effected by the equifax breach via their website by inputting my last 6 of my SSN and my last name was excluding myself from a class action law suit. I was not notified before checking. This is XXXX shady. I was CHECKING! I  have n't signed up for anything yet!
Complaint sub-issue: Need information about my balance/terms

I had a genesis lending loan, that has been charged off, it is appearing on my credit report and weighing it down a lot. I have called genesis and was redirected to another company phone number XXXX, they do n't seem to have any information on me, I called called XXXX whose name appear on my credit report and they do n't have any information on my loan. I have trying to get information, no one seems to know or have any information about me. If I CA N'T GET INFORMATION, I WANT THE REPORT REMOVED FROM MY CREDIT.
Complaint sub-issue: Information is missing that should be on the report

I have sent 3 letters to Equifax requesting more information on 2 accounts that are listed on my account as collections. No information is provided regarding these accounts. 
NO creditor is provided.
Complaint sub-issue: Debt is not yours

For a very long time I have been in receipt of phone calls from this organization claiming I owe a debt that does not belong to me. They will not disclose any proof and since I have paid every other bill in my life exactly on time I am bewildered. They have refused to stop calling me both at home and at my workplace and claim to make there own regulations.
Complaint sub-issue: Their investigation did not fix an error on your report

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Didn't receive enough information to verify debt

Sent a Request for Validation and Verification on XX/XX/2022 and I want it to be known and Resolved Asap!! immediately!!!. 

Americollect has account on my credit that is not mine/inaccurate/fraud. Company has Been posting Double Jeopardy onto my Credit report and has not sent me any legal or any documents validating and/ or verifying with my WET INK signature that i owe this date, i am the person behind this debt, or this is not a debt that was not committed fraudulently without my WET INK signature was giving a BILL as VALIDATION that violate my HIPPA PRIVACY RIGHTS.I WILL ATTACH DOCUEMNTS PROVING THIS IS A VIOLATION OF MY HIPPA RIGHTS AND NOT SATISFACTION FOR VALIDATION OF DEBT WITHOUT MY WET INK SIGNATURE BUT JUST A BILL. ALONG WILL BE ATTACHED MY CREDIT REPORT AND MY IDENTITY THEFT REPORT WITH ALL OF THE REPORTING VIOLATIONS MADE ON MY ACCOUNT AS WELL SO I WILL MOST DEFIENTLY WANT ALL THE ACCOUNTS DELETED IMMEDIATELY PERTAINING TO YOUR COMPANY AND PRIVATE INFORMATION!!!!!
Complaint sub-issue: Card was charged for something you did not purchase with the card

I reported a fraudulent charge to Citibank on XX/XX/2022. The charges were from XXXX but Citibank called the charges the responsibility of the customer since I had purchased XXXX tickets on my card. I called XXXX to find out more info about the tickets, and they informed me the names of the individuals and email address which is not mine, and confirmed this was a fraudulent purchase. 

Both Citibank and XXXX have yet to issue me a refund, and continue to provide new email addresses or contacts or case numbers that I can refer to and inform me to wait for a call back from them. It is close to 60 days since the charge happened, and I reported it 16 days after it happened. I feel taken advantage of and am out the money from charges that were not mine.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I contacted Macys to purchase a sofa and chaise. I called in online to speak with a representative after applying for credit through the website. A few things happened during that initial call. First, I confirmed with the sales agent, XXXX XXXX, that I would be receiving 20 % off of my purchase. She affirmed and said that the 20 % off would apply to the total purchase price of {$3000.00}. This did not happen and I was instead reimbursed only {$100.00} ( rather than {$610.00} ). Additionally, the wrong sofa was ordered. After numerous mishaps with delivery ( first delivery didnt happen because the item was damaged and refused, second delivery did not have the chaise, third delivery had the chaise in the wrong color, fourth delivery was accurate ), I was charged twice for the sofa portion of the order. This was a purchase totaling {$1300.00} with taxes and miscellaneous charges. My credit limit was raised manually back on XX/XX/XXXX ( which is why I had to call in originally ) to a total of {$3500.00}. By charging me twice for the sofa, I was put over my credit limit on XX/XX/XXXX and reported negatively to the credit bureau. 

When I received my first billing statement I noticed the overage on my account. I contacted Macys customer support ( Case # XXXX - XXXX ) and told them all of the details above. I was told that they would open a double charge dispute which will take up to XXXX billing cycles ( for a total of XXXX ) to resolve. I requested that the cease negatively reporting me to the credit bureaus and remove existing negative information and they refused stating they would not do so until the dispute was resolved. That said, I will now have upwards of XXXX total months of being over my limit despite not and the company refuses to correct this mistake. 

To summarize : Macys is incorrectly reporting me to the credit bureaus for being over my limit. Macys did not apply the correct discount to my initial purchase. Macys refuses to stop negative reporting and removing existing reporting until their arbitrary process to resolve my dispute is finalized.
Complaint sub-issue: Debt is not yours

I have received a letter claiming that I owe a debt to : CARTER-YOUNG, INC/XXXX Since this is in error and I have not knowledge of this debt, I requested the following proof as they are obligated to do in accordance with the Debt Collection Practices Act, section 1692g. 

A. The original application or contract. 
B. Any and all statements allegedly related to this debt. 
C. Any and all signed receipts. 
D. Any and all cancelled checks. 

This company have fail to provided me with these proof.
Complaint sub-issue: Problem during payment process

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX were only reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX made an error in reporting my payment status and is not willing to fix it. They are reporting me as paying late in XX/XX/2018 and I was never late in paying my account. It was an error on XXXX XXXX XXXX part.
Complaint sub-issue: Received bad information about my loan

I have been fighting this loan process since 2012. These loans were handed off from AES to NCT and I have been fighting with AES and they tell me to go to NCT. So here we are. I ca n't understand how you can keep someone in default for over 4 years and this is acceptable. I have been paying as agreed and I want to get out of default. You have ruined my credit and continue to do so and make no efforts to settle this debt. Per the terms of the agreement the loans can reach default but it does n't state it must remain in default once it is placed there. Or that you ca n't get out of default. Read section I of the agreement. I 'm not here to ask for a XXXX balance. I 'm asking to get out of default so these loans can get paid off. You have ruined my credit long enough. I live in XXXX, my loans were serviced out of XXXX and they are sitting in XXXX. Someone somewhere in some state says this is wrong.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX 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 XXXXXXXX 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 have absolutely no idea what these accounts are, I have never opened a account with this creditors and want these removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


I contacted XXXX  through the CFPB with ALL THE INFORMATION needed according to the FCRA 2009 to furnish a block and received this which is violating the FCRA 2009 ( a ) After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. XXXX declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) XXXX has reason to determine that you have requested the block in error ; b ) XXXX  has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue I repeat these accounts are a result of Identity theft and are fraudulent that is the nature of my dispute I will repeat once again to show my Federal Trade Commission identity theft report with the balances & creditor name.. along with my police report number, I did not request this block in error, I did not make a misrepresentation of information, and I did not receive anything from these FRAUDULENT ACCOUNTS. 
They were opened without my consent, as i am a XXXX  XXXX and should not be going through this. 


I will once more supply XXXX  with the nessesary paperwork to remove these fraudulent accounts that are causing me lots of pain and in-convince as a XXXX  XXXX.
Complaint sub-issue: Account status incorrect

In XXXX I was financed for a vehicle by Ally Financial. The car was paid in full and was considered closed in XXXX. 

However, now as of XX/XX/XXXX, XXXX the Ally Financial Account XXXX all of a sudden in reporting on my credit as a REPOSSESION-???!!! 
I have not been able to reach any one from Ally Financial or the credit bureaus and I am in the middle of financing!!! 

It is imperative that the account is corrected or removed from my credit all together. I am not sure what is going on but a lot of weird things have been going on since this pandemic has started. On the other hand- I will have to get a common law attorney if the situation is not resolved immediately or if I lose financing because this HUGE ERROR.
Complaint sub-issue: Account status incorrect

XXXX should not be reporting to Equifax ; XXXX and XXXX that I am ( 30-60 ) days late on the XXXX, XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I set up auto pay for this account. When I obtained my most recent copy of my credit report, I discovered that XXXX is reporting this account late. I immediately contacted XXXX and was told by the representative the company doesn't have any record of this account set up on auto pay. This is not true. Timely monthly payments have been made. The lates that are reporting are incorrect and are seriously harming my credit score and need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

On XX/XX/XXXX I received a summons for civil suit from BCG Equities , LLC on behalf of their counsel Law Offices of XXXX XXXX in the XXXX XXXX XXXX XXXX, XXXX, Ohio. I was never notified of this debt that is from XX/XX/XXXX from BCG Equities LLC until receiving said notice to answer civil complaint for alleged money requested. I provided my answer to the complaint to both the court and the XXXX XXXX XXXX and it is awaiting trial. This is a direct violation of chapter 15 USC 1692g 809 ( a ).
Complaint sub-issue: Frequent or repeated calls

Conns appliances is repeatedly calling my home. They call atleast 8 times a day. Sometimes they just hold the phone because my husband answers the phone. It is ok for them to call and remind me, however constant calls are a form of harassment. I have informed them that they should not call after XXXX. I get calls up to XXXX. They have disclosed my information to my husband without my permission. I have asked to remove my number from the automatic dialer with no result.
Complaint sub-issue: Information belongs to someone else

Incorrect information on my credit reports from XXXX, XXXX and EQUIFAX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XX/XX/XXXX and XX/XX/XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.
Complaint sub-issue: Can't close your account

PNC purchased my checking account from BBVA. They account has less than {$5.00} in it. They sent an e-mail today stating that they will begin charging a low balance fee starting in May. I did not hear about this prior to this e-mail. I called them, and they would not close my account over the phone. I do not live near a branch anymore, and am unable to visit one to try to close the account. The rep on the phone threatened to send the account to collections if fee 's cause the account to go to a negative balance.
Complaint sub-issue: Trouble with how payments are being handled

Great Lakes/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XXXX of 2019   and reported as paid if full on my XXXX XXXX and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX   Manger and XXXX  Manger confirming all student loan accounts along with XXXX XXXX and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, XXXX, XXXX  and Great Lakes/Department of education started to report the accounts that showed paid in full closed XXXX and XXXX of 2019  as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and Great Lakes has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and Great Lakes has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent on XX/XX/XXXX to all credit agencies included the recording and copy of credit reports from XXXX and XXXX showing Paid in full.