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

I moved my loans to XXXX XXXX XXXX in XX/XX/XXXX when i began working for the XXXX of XXXX XXXX. After multiple rejected employment verification letters, i have vowed to start paying my loan off asap and forgo public student loan forgiveness. I currently have my payments set to direct debit on the XXXX of month. When i decided to explore the best strategy to repay my loan early, i was disappointed on how little information was available on the website to maximize my savings. After hours of phone calls and multiple emails, i was able to set up my loans so that additional payments did not get applied to future payments. Along the long road, i also found that in order to apply all of a payment towards the principle balance, the payment had to be made on the same date of my direct debit ( XXXX of the month ). All account reps i talked too did not understand what it meant by my request to make my extra payments be applied to " principle only '' In XXXX, XXXX, XXXX, and XXXX have the XXXX fall on a weekend. Due to their policy, you can not make additional payments on the weekends by phone or online. So the only option is to pay extra payment the weekday before the XXXX of the month. This practice is not advantageous to the borrower as the payment will be fully put towards the principle balance and help me suffice my obligation to the government. 

In addition to not being able to pay on the weekend, my account is listed as past due, 2 days after my direct debit was scheduled. This is causing me undue stress because even when i called yesterday, the representative could not tell me if my direct debit would be processed and i would not be considered late. I had a similar instance in XXXX where the account rep could not tell me with confidence that my direct debit had taken place. The only thing they offered me was to make an additional payment, which seemed predatory as my direct debit was processed in the days after the due date. 

Also, my direct debit is not listed as a scheduled payment on my online fed loan servicing account even though it has been taken from my bank account today. 

In summary, the process to make payments to reduce my principle balance is too complicated and not set up to to benefit the borrower. Also, if direct debit payments can be scheduled for the weekend, additional payments should be allowed on the weekends. Finally, payments take too long to process and are not reflected accurately in my online account.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Equifax have not responded to any of my letters that I sent them. I've attached the letters in the order they were sent hoping to timely cooperation from them
Complaint sub-issue: Investigation took more than 30 days

onXXXX i sent letters to XXXX XXXX and equifax disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX XXXX and equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX XXXX and equifax post on a credit report. Otherwise anyone paying for XXXX, XXXX and equifax reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and equifax any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, XXXX and equifax to report these account listed below on my consumer report. 
XXXX, XXXX and equifax did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt XXXX XXXX  and equifax must delete The following accounts and incorrect billing errors on my report 1.XXXX XXXX Account Number : # # # # # # XXXX Also XXXX XXXX XXXX arent licensed as a collection agency in the state of XXXX XXXX so they have no right to report on my report or try to collect debt. Cease and desist. 

2.XXXX XXXX  Account Number XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XXXX XXXX or XXXX XXXX XXXX
Complaint sub-issue: Other problem

Company : Discover The company convinced me to " go paperless '' and receive all statements electronically, but they do not keep statements or any account activity beyond 7 years. I am in a legal situation where I require a statement from XXXX 2013, and Discover has refused to comply and insist that they have no means of providing this historical statement or proof of account activity.
Complaint sub-issue: Account status

Equifax And XXXX Did Not Address My Dispute In Regards To The Date The XXXX Account Was Closed. As A Result Damaging Information Is Continuing To Be Reported To My Equifax Credit Report Even Though A Period Of Over 7 Years Has Long Passed Since The Disputed Account Was Closed For Account # XXXX The Disputed Account Is Still Showing As A Charge Off.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX and equifax are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of XXXX  bill XXXX XXXX XXXX. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.
Complaint sub-issue: Account status incorrect

For the 4th straight month MoneyLion has inaccurately reported my account as late to all three credit bureaus ( XXXX  XXXX  XXXX  ) each month a investigation is launched and is found that MoneyLion has yet again reported inaccurate information ( and each time they admit and apologize for the inaccurate information ) but this time they have decided that they were going to report the month of XXXX as late even though that it was NEVER late and was never reported as late until XXXX ( again was already reported as paid on time and current to credit bureaus until XXXX ) this is VERY inaccurate as I have never missed a payment
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions
Complaint sub-issue: Old information reappears or never goes away

BBVA was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matters and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and having inaccurate information on my credit report is making the pre approval process very frustrating. Please assist in this matter. It would be greatly appreciated.
Complaint sub-issue: Account information incorrect

Ive spoken with Great Lakes about how they are reporting my student loans. I requested a payment schedule showing the payments Ive missed and theyve failed to properly do so. The incorrect payment history is causing great damage to my credit report. 

It is showing that my first missed payment was reported as 90 days late on XX/XX/2015 but I paid it on time in XX/XX/2015. Arent they supposed to report my first missed payment as 30 days late since I was on time the month before?! 

This is impossible. Ive attached the letter theyve sent me that they said its reported correctly and Ive also attached what is being reported on my credit report.
Complaint sub-issue: Account status

XXXX appears on my credit report as an open collection, however it was discharged in bankruptcy. It should be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I am in receipt of the results of the investigation which I have attached regarding the XXXX XXXX XXXX XXXX account appearing on my credit report per Equifax says on investigation results they claimed the account is not appearing on my report however I just pulled my report and XXXX XXXXXXXX XXXX XXXX XXXX account is still appearing on my report and still doing damage to my reputation. I ask that you please remove the account as soon as possible from my report and send me a confirmation after doing so please stop stalling and claiming account is not on my report when it clearly is reporting. That is a clear violation of the FCRA if not play misrepresentation of the facts. Remove a XXXX XXXX XXXX XXXXXXXX for my credit report as soon as possible
Complaint sub-issue: Personal information incorrect

On XX/XX/2021, I drafted the attached dispute to Equifax advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered. It is significant that the same dispute was honored by XXXX immediately. Despite this, the incorrect information remains on my credit report more than 30 days later.
Complaint sub-issue: Reporting company used your report improperly

I never authorized anyone to put negative reports on my credit - some cards are on there that I paid cash to open and have balances that are incorrect and should state that those cards were only open using my money and never got an increase so I should not be behind them or owe anyone when it was my money to begin with All negativity on my credit should not be in there and its personal because I should never be in debt to anyone that should be indebted to me as a human and person with the same rights as anyone else
Complaint sub-issue: Was not notified of investigation status or results

I have disputed an account twice with the credit bureaus stating for them to send me proof on how they are verify the account. they have failed to send me any type of proof. I have attempted to reach the company and spoken to XXXX at XXXX XXXX ( disputed account ) and she stated she didnt have any information on my account and was unable to validate anything. So if the company is unable to validate the account what information is the credit bureaus able to verify.
Complaint sub-issue: Attempted to collect wrong amount

On XXXX XXXX, request that the following accounts that I mentioned below be incorrectly reported in my credit reports, XXXX XXXX XXXX # XXXX reported as open with loss balance of {$480.00}, XXXX XXXX XXXX # XXXX open collecting a balance in loss be investigated and corrected. of XXXX XXXX balance {$1400.00}, Pr Telephone # XXXX reported open at loss balance of {$520.00} As a result of the investigation made, these incorrect accounts still report my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX, am submitting this complaint on behalf of myself without any assistance form third parties. I spoke with Equifax on the phone in response to their failure to properly report accurate information. They are not reporting 100 % accurate data as required by FCRA and are violating 15 USC 168s-2 ( b ). They did not conduct a proper reinvestigation with the furnishers of the information. I have also spoke to XXXX XXXX XXXX XXXX and they told me different information than what they are reporting to the CRA 's. I told them it was inaccurate, they are now aware that there are errors on the consumer report, which is a violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). This inaccurate data has been damaging to my entire financial profile. I have been denied extensions of credit, car loans and business loans.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Account status incorrect

I have been fighting with XXXX to remove the student loans from my credit as I have never been in default status for them to report to the Credit Bureau due to my low income for the past 25 years. I was always on Forbearance or Forgiveness program and have never, ever made a payment due to my income, therefor never reaching a default status for XXXX to report delinquent or any missed payments. I have written requests and complaints over the past ten years, only to be ignored. I am physically XXXX as of XX/XX/XXXX. I have repeatedly submitted VA Notice of Reward letter and well as the required, completed application signed by both myself and my Physician, yet Nelnet continues to document that information is missing, every other time that I call to check my status. I have spoken with several representative since XXXX of XXXX. Some of the representative informed me that all documents were indeed signed and completed as requested and that I merely had to wait the 120 day wait period for them to make a determination to resolve my accounts and have them removed from my Credit report. I feel as though I am being taken advantage of due to my XXXX, that NELNET and XXXX continue to ignore the proven facts and/or deliberately falsely stating that information is missing when they have had several completed applications in the past three years. I was advised by a legal representative to first file a formal complaint once a again, but submit a complaint to the Bureau of Consumer finance. I am requesting that NELNET and XXXX use the completed forms that I have continuously resubmitted. Which as I mentioned should have never been reported to the credit bureau as default or any negative reflection. Documentation available with NELNET and XXXX but can be proven by dates signed as per my doctors.
Complaint sub-issue: Reporting company used your report improperly

equifax did n't take appropriate measures to protect my SSN, DOB and full address. This greatly exposes me to fraud over the next several years. 

Having Equifax offer an opt-in solution for a single year is far from sufficient - because its easy for criminals to just sit on the data for a year before using it. Also since the protection is opt-in, you can count on low participation rate. I 'm sure Equifax knows all of this.
Complaint sub-issue: Debt is not yours

In the past I have communicated with this debt collector ( afni ) via phone & mail correspondence. In those communications I expressed my concerns and advised afni that I dispute this debt. That I did not recognize this debt. I asked them to validate the debt. They could not provide validation of the debt and ceased pursuing it. Recently they began harassing & sending threatening letters again about this fraudulent collection. This company does not follow the procedures or laws set forth by the federal government for debt collection practices. They should be fined, reprimanded & in-prisoned if possible. Theyre continual unlawful actions deserve your attentions. As aforementioned they are harassing me for a invalidated & fraudulent debt from many years ago that I never recognized or accepted responsibility for. I took the lawful appropriate steps within the time period allotted to dispute the validity of the debt. Once afni realized they could not validate they ceased collection activities. Now months later they are harassing & threatening once again. I have consulted with an attorney. He advised to file report in preparation of lawsuit
Complaint sub-issue: Threatened to sue you for very old debt

COUCH, CONVILLE & BLITT LLC ( Couch and Lambert ) allegedly representing XXXX XXXX  has continuously been harassing and oppressing me by bringing me back and forth to court trying to sue me on an alleged debt. The first time I was brought to court was XX/XX/XXXX XXXXThe Judge ended up dismissing it without prejudice because during the hearing I told the Judge that I sent a debt validation letter and no one ever responded. I also sent a cease and desist. so the Judge dismissed it but he also warned me they can bring me back within a year. Fast forward XX/XX/2022 I was served with a subpoena to appear at court on XX/XX/2022 I went to court and no one was there. I went to the clerk and she stated that the Judge do not have court on that particular day, so she gave me another court date and suggested I mention the incident to the Judge when I come back. I went back to court in XX/XX/2022 I was taken into a conference room to negotiate payment with Im assuming an attorney, I told him that I sent a debt validation letter and never got a response. we then went in front of the Judge. I explain to him what happened and that I had been here before and it was dismissed because of the exact same thing, not responding. The lawyer asked the Judge for more time the Judge granted him more time to send me the debt validation request. a couple of weeks later I was sent false and misleading statements. I sent another certified letter to the law firm and told them the statements were false and misleading along with a cease and desist. fast forward to XX/XX/2022 went back to court, went into a conference room with some one allegedly representing the law firm, she claimed that we could not see the Judge because her witness could not come due to covid and she wanted to reset it.. I told her that I can not keep missing work and that this is affecting my job and my mental health. she insisted that I could not speak to the Judge and she perceded to give me another court date. she told me two different dates and I ended up recording the wrong date. I showed up XX/XX/2022 just to find out it was actually XX/XX/2022 and I had a default judgement against me because I didnt show up. I had to file a motion and pay a fee to get another court date. My court date was set to XX/XX/2022. I showed up and the attorney said that he is not ready for a hearing because his witness could not come. He asked the Judge to reset it to XX/XX/2022. Couch and Lambert has oppressed me trying to collect an alleged debt by dragging me in and out of court, Couch and Lambert is in violation of the The Fair Debt Collection Practice Act
Complaint sub-issue: Sent card you never applied for

Costco solicited and accepted a credit card application in my name from my wife without my consent and without me even being present in the store. My wife does not even have the same last name as me, so even if it was legal to accept a credit application in one spouse 's name from the other spouse ( which it is not ), how would you even know we are married? That could have been any random person in your store with my information and yet your representative did not even hesitate to take the application. Costco is allowing ( perhaps encouraging? ) front line team members to accept fraudulent credit applications. Why would you ever accept an application from a person in a completely different person 's name? How can consumers trust that Costco is keeping their personal information safe when they do things like this?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Booked a reservation for 2 bedrooms at XXXX # XXXX, location at XXXX XXXX. Merchant description was Travel, and merchant ID # XXXX, authorization code # XXXX. Authorization date XX/XX/2019, authorization through XXXX. XXXX code XXXX The amount they charged the credit card is {$230.00}. Name of the hotel is XXXX XXXX PHONE XXXX, ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX. The booking reservation date was XX/XX/2019. 

Cancellation was done on the XX/XX/2019. time XXXX XXXX. I spoke with front desk officer name XXXX. 
The cancellation confirmation and tracking number # XXXX, XXXX
Complaint sub-issue: Account status incorrect

Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. Equifax, XXXX  and XXXX. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!
Complaint sub-issue: Debt is not mine

I was born XX/XX/XXXX the hospital bills are from XX/XX/XXXX. When I called and told them I was a minor at the time and I could not be held responsible, they told me to write a letter to them disclosing my mother name and address and telephone. I was XXXX years old XX/XX/XXXX. There is no way I could of signed for anything legally at that age.
Complaint sub-issue: Account status incorrect

I have submitted multiple credit bureau disputes regarding XXXX XXXX XXXX XXXX  reporting of my credit card account. I declared XXXX XXXX bankruptcy in XX/XX/XXXX ( discharged XX/XX/XXXX ), of which XXXX XXXX XXXX was included as a creditor. Because I declared bankruptcy, there should NOT be any negative information on my credit report. Shown below is how XXXX XXXX  XXXX is reporting my account : XXXX : Remarks : Payment after charge off/collection Settled - less than full balance Current Payment Status : In Collections/Charge-off Equifax : Remarks : Account paid for less than full balance Paid charge off Current Payment Status : ( No info ) In contrast, this is how EVERY OTHER creditor is reporting my accounts included in bankruptcy as follows : Current Payment Status : No Info Remarks : XXXX XXXX bankruptcy