Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

This complaint refers to a misleading and deceptive repayment structure that FedLoan Servicing presents to repay my student loan. 

The description that follows is the Graduated Repayment Plan on the FedLoan Servicing website, " With Graduated Repayment, your payments start out low and gradually increase over the life of the loan ( typically every 2-4 years ). '' Since 2013 I have paid {$12000.00} to FedLoan. On time. I realized that {$1200.00} has been paid towards principal, with {$10000.00} paid towards interest. My loan started at {$31000.00} at the time of disbursement and the current balance on the loan is still idling at {$31000.00}. The interest rate on my loan is 5.5 %, so it puzzled me, until I realized the deception in the language used to present this, Graduated Repayment Plan. 

It is considered, deceptive language, to define a Graduated Repayment Plan as such, because this plan does not explicitly explain to the borrower that there will be no repayment but rather, you will accrue, as by definition : compound interest. Compound interest is not defined by any means in such text. Thus, no repaying '' has truly accrued, since they set the base of this plan lower than what market standard interest allows, so for years I have been unknowingly accruing compound interest on top of the interest that was owed without any such knowledge due to the definitive terms and text used at signing. 

I will add, and this goes without saying, the emotional and psychological duress of paying this loan back on time since 2013, never having missed a payment, never having had a payment arrive tardy, to only find out that I was sold fraudulent terms, undermining my trust with misleading terms within, have made me lose total hope of arriving at a place where I could be considered debt-free. 

Thank you for your time.
Complaint sub-issue: Was not notified of investigation status or results

I have sent several letter communications and I have received no results and no actions have been taken to fix my report. None what so ever on all credit bureaus. XXXX XXXX Equifax and XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, 2017 I submitted an online dispute with XXXX and Equifax concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. My county courthouse does not provide this information and neither does the NC Department of Revenue, but XXXX and Equifax employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. They do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both XXXX AND EQUIFAX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act, XXXX, XXXX XXXX, Equifax have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX acct # XXXX NO CONTRACT XXXX XXXX is using my identity and saying that I owe them this is fraud According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

reporting adverse information has affected my livelihood, causing me to be oppressed 1006.6 code of federal regulation states that a debt collector must not communicate, in connection with the collection of any debt, with any person other than consumer 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S. Code 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection 15 U.S. Code 1681b no written instructions of the consumer to whom it relates.

Credit bureaus not letting me know how my credit information is being used is a direct violation noT the FCRA
Complaint sub-issue: Billing dispute

I used free credit report to obtain a credit report and I needed scores from all XXXX companies. In attempting to obtain those scores each company had confusing or hidden charges. I thought I was paying {$39.00} for the report with all XXXX scores. Instead I was charged {$1.00} by XXXX then {$7.00} by Equifax and an additional {$39.00} by XXXX all on the same day, XXXX XXXX, 2015. Then XXXX charged me {$21.00} 7 days later, XXXX XXXX, 2015 for a credit tracker they said I agreed to. 
My Husband also needed a credit report with scores and we were charged {$4.00} by XXXX and then an additional {$39.00} again all on the same day, XXXX XXXX XXXX called XXXX 4 days after the additional charge of {$21.00} and was told that I could cancel the credit tracker as of that day but they would not refund any of the charges. I asked them to check the accounts by way of the credit card number charged and they acknowledge the account for myself and my husband and told me they would cancel the credit tracker for both of us ( but no refund for the extra charges ). 
Then on XXXX XXXX, 2015 they charged us an additional {$19.00}! That brings the total paid to {$130.00} for a " Free '' credit report. I acknowledge that I had to pay for the scores but {$130.00}!? 
I work in the mortgage industry and I am concerned with what happens to clients if they go to " Free '' XXXX. I am familiar with the industry and its terms and I was taken by the XXXX. What is happening with the regular consumer? If I had pulled a credit report with scores through the company I use for my clients it would have cost a grand total of {$18.00}. 
I am required to clearly and openly disclose why is XXXX and Equifax exempt from the same requirement and allowed to charge any amount with impunity?
Complaint sub-issue: Account status

I have attempted to have the verbiage changed on the status of this account in question with the original creditor and Equifax. i have received a letter from the original creditor stating that the status would be changed. Instead of changing the status of the account Equifax just added another status, which in no way fixes the issue. The original account status stated, claim filed with government. This was suppose to be changed to transfer to other office/default. Equifax just added this comment to the status instead of changing it. Now it states, claim filed with government and transferred/sold. All that Equifax needs to do is remove the verbiage, claim filed with the government. Please help! This verbiage on my credit report is making it impossible to qualify for a mortgage. The mortgage broker advised me that this statement could mean I have a judgement lien against me, and this by no means is the case. Again, please help me get this corrected. I will attach files of the original creditors letter, and the updated account on Equifax.
Complaint sub-issue: Problem during payment process

On XX/XX/2022, I received an email stating that a recent payment I'd made had been returned by my bank and asking me to make a replacement payment. Because I had autopay set up on my credit card account and because I knew there was plenty of money in the account, I was confused. 

I logged into my credit card account and a payment of {$41.00} had been returned by my bank. The payment had been made over the phone from an account that had been closed for 6 months. I did not make this payment. 

I called the customer service line right away and spoke with three people. They could not provide me with the phone number from which the payment was made. They would not let me hear the recording of the payment call, and could not tell me anything about the call. I pointed to my payment history, which has been via autopay from a different account. I expressed concern that my card might be compromised in some way. After more than an hour on the phone, I got one of the customer service reps to agree to open an investigation into the situation. 

Today ( XX/XX/2022 ) I received a written letter in the mail from my credit card company stating that " to remove any returned payment information or fees from your account, we'll need a signed letter from the financial institution. ''
Complaint sub-issue: Problem getting a working replacement card

New Citi card that I ordered was compromised by an email hacker who also Hijacked my email account. Citi says they w ill send new card  XXXX  by mail and I would have it in a couple of weeks. I then asked that a new card be sent by overnight mail. They said they did that o n 3 differe nt occasions during the week of  XXXX   XXXX  to  XXXX   XXXX ,   XXXX  . Citi has issued  XXXX  different cards during this time frame in my name and not sent the card to me. I have received no statements at all from  Citi. I am una ble to determine what charges have been made to any of the  XXXX  cards or accounts opened in my name.
Complaint sub-issue: Was not notified of investigation status or results

I sent my first letters over 4 months ago to Equifax, XXXX and XXXX. I also sent more letters almost 2 months ago and neither of the bureaus have not been responsive to any of the lettters I sent out. I know things are slow because of COVID-19 so I'm trying to be patient but to not have received any responses at all is unacceptable to me. I am trying to get a pre-approval for a house soon and the non responsiveness is preventing me from that.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax on 3 occasions in reference to inquiries I did not authorize. I have also requested a copy of the application, showing my signature and authorization for my credit profile to be issued. I have not received any information as requested and the credit bureau has refused to remove the inquiries from my report. I have provided the bureau with a copy of my identity theft report. XXXX  has investigated the information as requested and removed the unauthorized inquires. I request the following be removed immediately. They have violated my rights under the Fair Credit Reporting Act. 
1. XXXX XXXX-XX/XX/XXXX 2. XXXX/XXXX-XX/XX/XXXX 3. XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX XXXX-XX/XX/XXXX 6. XXXX XXXX XXXX XXXX-XX/XX/XXXX 7. XXXX XXXX XXXX XXXX-XX/XX/XXXX 8. XXXX XXXX XXXX-XX/XX/XXXX 9.XXXX XXXX-XX/XX/XXXX 10. XXXX XXXX-XX/XX/XXXX 11. XXXX XXXX XXXX-XX/XX/XXXX 12. XXXX XXXX XXXX-XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX 14. XXXX XXXX XXXX/XXXX XXXX -XX/XX/XXXX 15.XXXX-XX/XX/XXXX 16.XXXX-XX/XX/XXXX 17.XXXX XXXX XXXX-XX/XX/XXXX-listed twice 18. XXXX XXXX XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 19. XXXX XXXX XXXX XXXX-XX/XX/XXXX 20. XXXX XXXX XXXX XXXX-XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting me 120 days past due on XXXX, partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to Equifax requesting them to please validate both bankruptcy information with XXXX. I received a response dated XX/XX/18 in which they show that this information was validated with XXXX. 
This is a blatant lie as XXXX has removed these bankruptcies from their files due to not being able to validate it. 

This is considered defamation, Negligent Enhancement of Identity Fraud and a Violation of the Fair Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the credit Reporting act XXXX  Account XXXX # 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: Delay in processing application

XX/XX/XXXX I applied for a citibank secured credit card. I got approved and had to make a deposit of {$1000.00}. 

XX/XX/XXXX. Citibank withdrew {$1000.00} out of my personal XXXX  XXXX account. I received an email that I will receive my card in mail in 7-10 business days. 

XX/XX/XXXX Still no card yet. I called and they stated that my account had an invalid address in which I fixed and was told to wait for another 7-10 business days for the card in mail. I requested as a courtesy if they can expedite the card in express mail and they said they dont do that for new account holders that just opened a brand new account. At this point I am unemployed, with no money to make rent and Citibank has my {$1000.00} for more then 30 days. 

XX/XX/XXXX Still no card yet. The rep again tells me that the address was incorrect. I requested to speak to a supervisor and asked them what the issue was and why is it that I am receiving mail from every other company, just not theirs. The Citibank Rep told me that the USPS has been changing the address on the mail. I called USPS and they said they do not randomly change or reroute mail without the customers consent. I called Citibank back and requested to have my account closed and return my {$1000.00}. The citibank rep told me, in order for me to get my money back, they would need to send a closure form, that I would then need to sign and send back to them. Once they receive the form, They will close my account and I would have to wait additional 21 days. At this point, it has been more then 60 days that citibank has my money and will not return. 

XX/XX/XXXX I receive an email that my account has been locked with new card ending with XXXX. I still have not received any account closure forms from citiback that I can sign. 

XX/XX/XXXX still no mail from citibank. I called again and spoke to a rep and she stated that my account is still NOT CLOSED and that a replacement card was sent to another address that I never heard of. I was just shocked at this moment that they still dont have my accurate address and I have been waiting for a very long time to first get my card and now a document to close the account so I can get my money back that they have been sitting on. I was transferred to another rep without being told and she was very rude. I spoke to another rep who verified my identity by sending me a text and again stated that my address was incorrect. I updated my address again and told him exactly how many times this has happened and I am requesting to please close the account. He then transferred me to another rep and she finally closed my account and said I have to wait to receive a letter in which I have to sign and then wait another 21 days to get my money back. 

Today is XX/XX/2020 and it has been over 90 days that citibank took {$1000.00} out of my account and did not issue a card to the right address nor take steps to remediate the issue after I expressed the financial difficulty of losing my job during the Coronavirus Pandemic several times. This is very unethical practices and I feel helpless. Please help me get my money back from Citibank.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive had unauthorized and unknown hard and soft pulls on all three of the major bureaus. Ive opted out of the third party vendors ( XXXX XXXX ), but continue to receive unsolicited mail and emails. Ive tried to dispute several incorrect and non related items on all three of my reports, with some information not being removed and some being verified without any explanation, for example, my name being spelled different or having my first name as my last name as well.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. 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: Information belongs to someone else

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THE ACCOUNTS ARE FRAUD ACCOUNTS WHICH ARE INACCURATELY PLACED ON MY CREDIT FILE.
Complaint sub-issue: Unexpected increase in interest rate

Sears Credit Card / Interst rates are to high.
Complaint sub-issue: Account information incorrect

I have no knowledge of the accounts and inquiries on my credit report
Complaint sub-issue: Overdrafts and overdraft fees

PNC will charge overdraft fees on transactions that are pending, even though sufficient funds were available at the time of a cash transaction is made later, saying the cash transaction is instant causing all pending items to be consider overdrafts, causing them to all have {$36.00} fees. 

For example, I had 4 pending transactions, I then made a cash overdraft transaction. 

Balance {$100.00} : Transaction 1 : {$20.00} 2 : {$15.00} 3 : {$10.00} 4 : {$10.00} The available balance is now {$45.00}. But the transactions are still pending. 

I then, overdraft as a cash-ATM for transaction for {$120.00}. 

PNC will then immediately charge an overdraft for all 4 pending transactions and consider the {$120.00} transaction as the first/immediate transactions. 

This is wrong, and consumers should not have to constantly check which items are posted and if pending. Transactions should be debited/credit in the exact order they are made, especially in cases of overdraft fees to protect consumers. 

What should happen is that I should have been charged an overdraft fee ONE TIME for the overdraft of {$120.00}. Not 5 overdraft fees because items were pending. This is also contradictory because if items are pending then my available balance should be higher and should not reflect the pending items since they are pending.

PNC is abusing their power for overdraft fees and if the CPFB continues to allow this, you they will continue to let banks profit on low income consumers and those who may be going through difficult times. This type of charging is predatory. Yes, I agreed to overdraft protection but I agree to transactions I actually overdraft. No transactions I made when I have an adequate balance. 

Please help and fix this greedy practice in banking and general and within the regulations.
Complaint sub-issue: Debt is not mine

I do n't owe this. Please send copy of contract & statements
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$490.00} XXXX   XXXX {$600.00} XXXX XXXX {$500.00} XXXX XXXX {$630.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$410.00} XXXX   XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern, I'm sending the letter to get inaccurate information deleted that's reporting to Equifax and XXXX. I've tried to have XXXX XXXX and the credit bureaus to remove the 90 day past due after the account was closed on XX/XX/2017.
Complaint sub-issue: Account status incorrect

Hello I opened an auto loan account XX/XX/XXXX my remaining balance was XXXX of XX/XX/XXXX of which I paid off early with good standing but equifax has my account listed as account closed and doesnt Appear on my report as a paid off loan its like my account never Existed whats the point of reporting things to the Credit bureau if its going to be this way that was my first account to establish my credit something has to be done about this
Complaint sub-issue: Debt was result of identity theft

preferred lease fka mp for the amount of {$5000.00} XX/XX/XXXX acct # XXXX i don't have no recollection of this account it is identity theft
Complaint sub-issue: Public record information inaccurate

I contacted XXXX about inquiries on my report that were n't authorized by me. I also contacted XXXX about a glitch in their reporting that removed inquiries and they replaced them my report without giving me notice in the mail 5 days prior as they should.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Between XXXX I purchased multiple concert tickets. This included a charge of {$820.00} to my Discover credit card ending in XXXX paid to Merchant : XXXX XXXX XXXX XXXX XXXX XXXX. However, I never received the tickets. I contacted Discover customer service dept. approximately four weeks ago, and I was told by the person I spoke to, that I would get my account credited for that amount. However, I received correspondence from Discover dated XX/XX/22 informing me that reversed their decision.