Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get flexible payment options

My loans were recently transferred from XXXX XXXX to FedLoan Services because of the Public Service Loan Forgiveness and the experience has not only been tedious, but the last phone call I completed left me in tears of frustration. Not only are the customer service workers polite enough just to get you off of the phone quickly with false assurance, but they do not keep any sort of records/notes on my account. I call a few times a week and the person I speak with ca n't recall what the previous person spoke with me about. My loans are current and I am simply trying to enroll into a Pay As You Earn payment plan. I have spoken to over XXXX customer service agents and each one tells me something different. I would not give FedLoan Servicing my business if it was n't mandatory. This experience has been nothing but false promises and disappointments. I would recommend better training for those who are on the phones because the fact that my request to have a payment refunded to me ( after my loans were put into a temporary forbearance ) ( which I was assured could happen ) has been denied with no real reason given is ridiculous! I am livid and the way that my business has been handled is a disgrace, especially since I am willingly trying to pay my loans back. Please consider the way you do business.
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because the credit bureau ( EQUIFAX ) has failed to provide me any physical proof that they have on file that were used to verify the accounts I disputed. This is well past the 30 days allowed to verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible.
Complaint sub-issue: Company closed your account

Just over one year ago I opened a business account with Mainstreet Community Bank. As of XX/XX/2020, my account was closed. 

I spoke with an agent via phone, and they told me that a letter was sent out to notify me of account closure, however I did not receive it. 

I made consistent payments on this account until I was drastically effected by COVID19. So I made the efforts of notifying Mainstreet and joining their program. I explained that I had lost over 50 % of XXXX XXXX  income. 

I was not notified as to when the program would end, so I maintained monthly contact with the company via phone. 

As you will see on my attached document of payment history, I have made every effort of getting back in good standing with this company including paying the overdue balance. 

I was not aware my account was closed until after I made the last payment and noticed that I still did not have access to funds. 

As a young XXXX, there is a lot I do not know about the process of credit. In this case, it costed me because I genuinely did not know that my account would be closed even if I was keeping constant contact with the company. I have never been in a situation like this. 

Further, I want to continue to groom the relationship I have started with Mainstreet Community Bank. They took a chance on me and I do not take that lightly.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Back in early  XXXX  I moved to a different area and had  XXXX   XXXX . When I found out  XXXX  could not service my new address I canceled the contract. Knowing that if they could not service my address the contract would be void, I was not worried about paying out the contract. I also had a conversation with a  XXXX  representative that confirmed the same. About  six months down the road   XXXX  with  XXXX  {$850.00} from my checking account without any prior consent or knowledge. They claim that that was the balance of the contract. I contacted them to dispute this since they could not service my address and a representative told me that that must 've been a mistake. However, the only way I got my money back was filing a dispute with my bank. I won the dispute got my money back and all was fine. Then, In  XXXX  I went to buy a home was preapproved to build a house. On the final days they had to pull my credit report which would 've been early  XXXX ,  XXXX  had sent that balance of {$850.00} to a credit reporting agency, dropping my  credit score . It is now placed on my credit report as money owed which clearly I want my dispute and should not be on there. It is falsely on my credit report. I would like to get it removed immediately before I decide to take some other kind of action. Would you be able to help me with this?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have applied for My Very first credit Card ( Discover ) thinking its a good way to start My credit history. I usually use of this Card for everyday expenses and mostly at XXXX. I have set auto payment monthly because i want to attain good credit history. And since I dont usually use this credit card, I just leave an auto payment per month. I rarely log in online and I have paperless billing option. Until one night ( XX/XX/2020 ) I received an email alert ( the Very first time since i have this Discover Card ), that My transaction was Declined. It was a XXXX transaction and I was shocked because I NEVER used this Card for any XXXX transaction. I only use My Debit Card. So i Logged in to My account and to My surprise, My bill was over {$3000.00} half of it was from XXXX transaction. I called right away and dispute these charges But Their decision was NOT on My favor. So i reached out myself with XXXX and they verified with me that I ONLY HAVE ONE CARD ON FILE, MY DEBIT CARD NOT DISCOVER CARD. So i called Discover again and told them about this, Few days later, I received a letter saying they can not do anything about it and they report this to the 3 credit Bureau. So, did getting a credit Card Help me achieve My goal to build a good credit history??? NOT AT ALL ... made it worst!! Wrong Choice of Credit Card company. 

In My opinion, Discover Card does not have a good security and protection for their clients most especially these transactions are almost like CASH transaction that needs increased security measures such as verifying the account holders TRUE Identity. I Will Never ever use this Credit Card again nor I Will recommend this. 

This decision made by XXXX Credit Card is XXXX. They also take part in this criminal and unlawful action. 

Thats why XXXX appealing to this agency to Assist me and investigate farther, something that XXXX credit company did not do. Please reach out to XXXX, look into My history .. and see if that relates to tge XXXX transaction that comes from this credit Card.
Complaint sub-issue: Fee problem

I am being charged overdraft fees when the account is not negative. However after the overdraft fees are charged, this puts the account in the negative. This has happened on more than XXXX or XXXX occasions. The last XXXX dates were XX/XX/19 and XX/XX/19. On XXXX a check went through the bank for {$550.00}. This left the account with {$13.00}. XXXX days later on XX/XX/19 I was charged an Overdraft Fee of {$36.00}. This now left the account - {$22.00}. This happened again XX/XX/19 when the last withdrawal of {$150.00} left the account with {$17.00}. Once again was charged an Overdraft fee of {$36.00} however the account was not negative until after the overdraft was process. 

When calling the bank, they can not explain why overdraft fees are being charged when the account was NOT in the negative. First time it happened, PNC assisted with fees and refunded the overdraft fees. The past XXXX times, I get told sorry wont allow a refund. I have black and white proof account was not in negative! I should never of been charged over draft fees!!
Complaint sub-issue: Their investigation did not fix an error on your report

All of my positive credit history was completely deleted from my credit report. 
Sunday, XX/XX/XXXX, I got a notification from several platforms notifying me that my credit score has dropped drastically, from XXXX to XXXX. I called Equifax, ( on Sunday XX/XX/XXXX ), around XXXXXXXX and spoke with a young lady who stated she was unable to help me with any information. I called back around XXXX and spoke with XXXX. I provided all of the security answers for him and advised him of the change on my report. He was very kind and helpful. He told me that on his side, he was able to see all of my positive accounts such as credit cards and car loans paid on time. He told me there was nothing to worry about and mailed out a copy of my credit report, confirmation XXXX. 
Monday morning, XX/XX/XXXX, I check the Equifax website myself. My score is now showing at XXXX with NO POSITIVE INFORMATION. I called Equifax again at XXXXXXXX and spoke with XXXX . He was kind at first, but was not understanding what i meant. He kept telling me that Equifax and MyEquifax are two different sites and that Equifax can be incorrect. I advised him that i am a paying consumer who demands my accurate information be updated as i have been denied credit due to their lack of consistency. I asked to speak with a XXXX, XXXX hung up on me. 
I called back at XXXXXXXX and was transferred to a manager, XXXX XXXX Employee ID XXXX. He proceeded to ask me security questions. I reported to him everything that was possible to be on my report, but he refused to give me access to my information. I have gone through this security test EACH time I've called. The one time I get through to a person that should be able to provide me with the assistance I am requesting, then all of a sudden, my answers are incorrect. This is a poor excuse of management and a legitimate business. I find it funny how all of my positive accounts have been removed, yet, there are remaining negative accounts. I also mailed out a final letter validation letter including my proof records from XXXX and XXXX to them. It was signed and received by Equifax on XX/XX/XXXX. No explanation of why all of my positive accounts were removed. How is this possible? They refuse to correct my credit report even though it is clearly their negligence. The irresponsible, inaccurate, and defamatory reporting of PAYING consumers ' personal credit information is illegal and i will seek public justice and compensation if this is not corrected immediately. This is absolutely unacceptable. 

I am requesting all of my positive credit history/current accounts be placed back on my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021. My XXXX  credit report was pulled a couple of times suspiciously. I did not give consent whatsoever. I have already called, emailed, and disputed through mail with XXXX, and the specific companies. ( creditors ) However, no actions have been taken. All I ask for is accountability. Just for the Hard Inquiries to be removed. The companies that pulled my credit are Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Account terms

I manage my credit regularly. I went on line to the XXXX agencies to dispute the items and the system they use times you out and you can not log back in to finish.. Equifax is the worst one.There is a XXXX credit card on my report it belongs to XXXX XXXX XXXX , I am not responsible for this credit card or am I a signer on the account, we do have a loan together for the XXXX XXXX XXXX . Also there is a reporting from XXXX on a returned check. That Item was paid in XXXX XXXX by a XXXX XXXX. I had to pay the debt in order to obtain a job in the insurance industry. Also there is reporting of a financial services collection included in a bankruptcy in XXXX, How can it be listed in the negative reporting as of XXXX if it was absorbed in a Chapter XXXX Bankruptcy in XXXX. Also the XXXX XXXX XXXX shows that my account was charged off. I fully paid the auto loan off in XXXX XXXX. I tried to file on line and via phone but find it is extremely difficult to correct my credit with these agencies. There is also a XXXX collection that is not mine. My medical records have been stolen and my Identity compromised. I have full medical and all my bills are paid 100 %. I have done my due diligence in trying to contact these agencies to file a dispute and it is extremely difficult. Now when I call or go on line it states the information I provided does not match their records. I believe I know who I am. Please advise on a solution I have been working very hard to bring my credit in order and correct all the items on my report. I am trying to qualify for a home and this is delaying my approval. Not to mention that my report in impacting my XXXX XXXX and trying to get my XXXX. Also it states my name is XXXX XXXX, I changed my name back to XXXX in XXXX. My reports should state formerly know as XXXX XXXX. I do n't want to be attached to my ex husband XXXX XXXX XXXX, he has a and continues to have terrible credit history. Thank you for you time in reading my complaint. XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Carmax marked XX/XX/XXXX on my XXXX. I tried to contact Carmax directly through certified mail onXX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to CarmaxXX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I did apply for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.goXXXX Thank you for help in this matter.
Complaint sub-issue: Didn't receive enough information to verify debt

I really dont know .I never received a Macy card net alone used one
Complaint sub-issue: Account information incorrect

In XXXX of XXXX, I contacted XXXX ( XXXX ) to provide internet services at my new address. With a XXXX agent, I initiated services via a phone conversation. Only when trying to activate the internet modem did XXXX XXXX services come up on my computer ( NOT XXXX ). In short, XXXX could not activate the internet modem as XXXX already had control of the line ( from a previous tenant ). At that point, I cancelled all services with XXXX. I then contacted XXXX to switch existing internet services. At no point did I have access or use XXXX internet services or receive any equipment from XXXX. 

In late XX/XX/XXXX, I received a bill from XXXX in the mail stating that I owed {$50.00}. There was not line item to justify this billing amount, or explanation for why they stated that I needed to pay them {$50.00}. I immediately contacted XXXX, who apologized and issued me a credit. I never received an explanation for why I was billed for {$50.00}. I told them that this was fraud to bill me when I never received or used services and the bill contained no line item expense for the {$50.00} amount. I received a {$50.00} account credit ( proof via e-mail ). 

In early XX/XX/XXXX, I received a bill from I.C. Systems ( a debt collector ) informing me that they were attempting to collect a {$50.00} debt on behalf of XXXX. This statement told me that I had a " Total amount of the debt now : {$50.00} '' I am being fraudulently billed and harassed by XXXX ( XXXX ) and/or its agents. I ask for the CFPB 's help dealing with this matter, as a debt collector has contacted me.
Complaint sub-issue: Trouble with how payments are being handled

I qualified for the public service loan forgiveness program by my Agency after 10 years of service and submitted the qualifying paperwork in XXXX 2017. Fed Loan Servicing informed me I had made zero qualifying payments and rejected my paperwork in XX/XX/2017.
Complaint sub-issue: Account information incorrect

12 hard inquiries and collections on my XXXX, XXXX, XXXX credit report that i have no knowledge of, and it was done without my permission, knowledge, or consent these inquiries are ( XXXX XXXX XXXX XX/XX/2020 ) ( The XXXX XXXX XXXX XX/XX/2020 ) ( Bay financial XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 ) XXXX XXXX is under collections through XXXX XXXX  XXXX XXXX XXXX {$200.00}
Complaint sub-issue: Account status incorrect

XXXX XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.
Complaint sub-issue: Information belongs to someone else

Equifax Is reporting fraudulent inquiries on my credit report from these companies : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Complaint sub-issue: Reporting company used your report improperly

Hard inquiries by these following companies I will list underneath broke the law according to the FCRA [ Farir Credit Reporting Act ] " NOTHING CAN BE FURNISHED ON YOUR CREDIT REPORT WITHOUT YOUR CONSENT IN WRIGHTING
Complaint sub-issue: Information belongs to someone else

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help to resolve this matter because it s illegal to report these accounts without my written signature.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I wrote a letter requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from the bureaus or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again. I give XXXX, XXXX, and Equifax authorization to investigate issues outlined in the letters I submitted. Thanks for your help with this matter.
Complaint sub-issue: Reporting company used your report improperly

I have wrote to Sage Stream LLC to put a security freeze on my Sage Steam credit report. and for Sage Stream LLC to send a confirmation letter when it is file. I am yet to receive a confirmation letter
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file that I do not owe. This debt is also past the statute of limitation. XXXX XXXX   and XXXX XXXX are in clear violation. They can not double report the same debt on my credit file.
Complaint sub-issue: Account information incorrect

I noticed an increase on my loan amount from XX/XX/XXXXfor over XXXX, with XXXX XXXX XXXX. I have tried to talk to them to explain to me about these discrepancies. Today XX/XX/2019 I called 4 times and every customer service representative has either transfer me and hanged up on me before I can get this issue resolved. I am very disappointed as to how XXXX XXXX XXXX has handled this issue. These information appeared 2 weeks ago because on Equifax, XXXX and XXXX. I am trying to purchase another property and I can not do it without them changing the information. It appears to me that there is some fraud activity going on and they don't want me to know or to give up clarifying. I have requested for the Fraud Department mailing address and it was not provided to me. I wish some more people come forward and report any of these similar activities with their account.
Complaint sub-issue: Debt is not yours

On XXXX XXXX I contacted the company in response to a collection account that is on my credit report. I stated : I do not acknowledge any liability for this debt in any form and I retain my right to request a full and complete debt verification and validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit profile at the three credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

I was told that because of where I live MEDCAH does not have the right to collect or the license to collect there. I was also told that I could make a payment online and have it deleted the next day. I could not get this mailed to me in writing because the company doesnt send out letters and they legally can not because they can not collect where I live.
Complaint sub-issue: Reporting company used your report improperly

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Complaint sub-issue: Trouble with how payments are being handled

I have been in public service since the beginning of the PSLF program. I currently show XXXX payments eligible and XXXX plus payments ineligible due to no bill due. During the earlier years instead of being placed on XXXX payment status the loan services would put me in forbearance status for financial hardship which should also count as payments. When calling I am not able to gain contact with a live person hold times are very long. The whole PSFL system is difficult to navigate. Now with the new waiver I may quailing for forgiveness but their is now clear information given.
Complaint sub-issue: Transaction was not authorized

I tried to link account to XXXX for car payment while buying. It was not authorized
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.