Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get other flexible options for repaying your loan

I went to the Minnesota XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX program. I enrolled inXX/XX/XXXX with the goals of becoming a probation officer. This school got shut down for fraud in XX/XX/XXXX, only 4 months from when I was to graduate with my XXXX. With this closure, students back to XX/XX/XXXX are being hurt. Since, I have student loans through two different companies, one of which I am referring to here. After my school closed for fraud, I had been in contact with my loan companies. I have two, a federal and private loan. I am referring to the federal loan here, which I am currently on a postponed payment status with, only until XX/XX/XXXX of this year. I talked to this borrower ( Nelnet ) about what to do with my loans being I am unable to use any of my schooling, but yet required to continue paying. My response after I applied for loan forgiveness was that I do not qualify. The problem is, I qualify for all of Nelnets requirements of loan forgiveness. The school ( XXXX ) is getting away with saying I " withdrew '' from the campus, when I was actually forced to quit without a transfer option. The school canceled my program quite a while before the closure came about. Because the school is saying I " withdrew '' due to their main campus being open for some days after my campus, the loan company is saying I do not qualify due to this statement. The fact is that I was forced to quit because the whole XXXX program of XXXX was canceled and the only " articulation agreement '' with another school was not what it was said out to be. Therefore I had no transfer option, even to a different campus. On top of all this, what I originally went to school for was never a valid program to begin with. I can not even use my general classes in future schooling due to it being a complete fraudulent program. I am writing in last attempts. I testified in front of the Minnesota house today on this subject, as a result was told to contact this reference. Im XXXX, was supposed to graduate with a XXXX in XXXX XXXX around 2 years ago. Instead, I am {$50000.00} in debt with a credit score that dropped over 300 points and there is nothing I can do about it. I am working in a XXXX and XXXX XXXX. Not only am I trying to pay my regular life bills, I am trying to pay on something I have no choice about when I can not use any of the time spent in school. Even had I graduated, I would have never been able to use my degree due to it being a fraudulent program. I am not sure who else to go to after this. Please, Please help.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent XX/XX/2020. The 60 Day demand to comply was sent on XX/XX/2020.
Complaint sub-issue: Account information incorrect

I have been using Credit Karma to track and try to establish/build credit. I am unsure, but their ads of being prequalified may have negatively impacted my score
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern :  I c ontinue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence?   Thank you Sincerely,
Complaint sub-issue: Can't close your account

I went into a local CitiBank branch and opened a checking and savings account based on some promotional offers being offered by the bank. About 30 days later my checking account was frozen but the savings accounts were left as normal. 

As of 2 weeks later my checking account is still frozen due to their fraud prevention department flagging the account a fraud and not allow me access to the monies deposited. I have not received any communications as to why my account was frozen. I went into the same branch again to retrieve my funds, was only able to access my savings accounts but the checking is blocked. 

Where is my deposited monies.
Complaint sub-issue: Information belongs to someone else

Fraudulent account- XXXX XXXX account number XXXX I tried contacting and submitting multiple disputes for this to be removed from my Equifax credit report because it is a fruadulent account reporting on my Equifax report XXXX found that out and removed it from my report as I provided an uploaded document but Equifax wont remove it when I tried their customer service would not help and take care of the negative account reporting to my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service these accounts/ inquires being reported I made efforts to remove accounts/inquires from my file as they do not belong to me. These all are fraudulently placed on my file I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX 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 XXXXXXXX XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX  continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.
Complaint sub-issue: Debt is not mine

Hunter Warfield claims I owe XXXX to XXXX for an order I did not place or receive. The order in question,XXXX, for an XXXX, was placed on XXXX XXXX using my XXXX. I have no use for XXXX products and would not order this item. It appears someone from my household placed the order using my saved XXXX on the site, I believe XXXX or XXXX payments were made on the item and this was purchased on a payment plan called flex pay. I have not placed an order with XXXX in quite sometime, the last order was returned, a XXXX computer. I would advise the collection agency, Hunter Warfield, that the payments made already for this item should suffice as again this is fraud. In closing, please advise them to stop collection efforts and remove account from credit bureaus
Complaint sub-issue: Account status incorrect

XXXX XXXX student loan company reported my account to the credit bureaus ( XXXX, equifax, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points. 
Right not there are millions of others as well with the same issue with XXXX XXXX. This is unjustly, and has majorly affected my credit score because of their error.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A student loan was opened on my account. Address keep showing on my credit file that are not mine.
Complaint sub-issue: Funds not handled or disbursed as instructed

I wrote a check to my land lord for the month of XXXX XXXX XXXX for {$570.00} and it was cashed. It was not cashed by my land lord but by a Construction Company illegally. 
I had to write XXXX to replace XXXX for {$570.00} to my land lord and it was cashed correctly ; by my land lord. *At the same time this was happening in the month of XXXX, my land lord was calling looking for XXXX rent, I had already issued out my rent check for the month of XXXX, which was XXXX for {$570.00}. At that time he indicated that my rent was being raised to {$600.00} a month because of this. I supplied the cashed check showing it was cashed illegally by the Construction Company. Didn't matter so I had to issue XXXX for {$600.00} for the month of XXXX. On XXXX/XXXX/21 a deposit was issued into my acct. for {$570.00} and XXXX/XXXX/21 for {$570.00}. On XXXX/XXXX/21 {$570.00} was removed from my account as a debit by PNC. Now I am being told that my land lord has the extra {$570.00} that I am owed and I can't get something in writing explaining what happened. My land lord believes he has no extra money and expects XXXX rent. Today 's explanation was that even though the Construction Co cashed the check it still came out of my account. The {$570.00} that was removed XX/XX/21 is my actual money. 1. this should of never impacted my account in the first place. 2. I want an detailed explanation for my records & to supply my land lord who will try to evict me over this. 3. I'm not sure how I'm chasing down my money 4. they shouldn't be able to go into accounts pulling money without issuing something in writing regardless, especially when it was their errors in the first place.
Complaint sub-issue: Information belongs to someone else

XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX This inquiry does not belong to me
Complaint sub-issue: Was not notified of investigation status or results

This account was paid in full. Company offered to be removed. This account has not yet been removed
Complaint sub-issue: Information belongs to someone else

All three credit bureaus continue to deny me an investigation into the fraudulent erroneous information contained on my credit reports. they are in violation of the FCRA.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # xxxxx 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 an account without my written instructions
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX issued a loan to someone who applied using my personal Info since the person who took the loan defaulted they are trying to come after me.

I have a Consumer alert indicating my information was stolen, i also have a police report and FTC affidavit.
Complaint sub-issue: Public record

I have a public records listed in my credit reports that are inaccurate and incomplete such as a bankruptcy that Equifax is reporting. The Federal laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Equifax numerous times for validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me only yo return stating it has been verified without any proof. I have a letter from Federal Bankruptcy Courts and XXXX stating that they Do Not report to the credit reporting agencies but yet they come back saying they have verified it with them.
Complaint sub-issue: Old information reappears or never goes away

This secured/installment loan account with Conn Appliances INC has been closed and charged-off since XX/XX/2018 in the amount of {$3200.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Kindly Correct or removed the following items immediately : 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 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
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Debt was result of identity theft

I have a situation with about amerifinanancial solution I never have any contract with them and my personal information are liked to them I say that not me I would like they enforced them to remove my personal information to them I see I owed them More than XXXX $
Complaint sub-issue: Their investigation did not fix an error on your report

hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to XXXX in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.
Complaint sub-issue: Investigation took more than 30 days

This account is never been mine! I don't know about this account. I never signed any contract with this account. I should not be the one who are liable for this account because this is not mine!
Complaint sub-issue: Investigation took more than 30 days

To Whom It May Be Concerned : I represent XXXX XXXX XXXX. Mr. XXXX is an asset to our company. We have granted Mr. XXXX an exclusive card that is not available to our normal customers. Mr. XXXX was treated unfairly upon the investigation of the fraudulent account ending in XXXX. Mr. XXXX is a severe victim of ID theft. As a world elite and preferred card member, Mr. XXXX has access to our bank fraud department intervening and resolving credit grantor disputes. According to the call with the XXXX agent, XXXX ( { call id : XXXX, Dispute ID:XXXX, Date of Call : XX/XX/XXXX }, the agent confirms the account was closed for fraud on XX/XX/XXXX. He still says there is a fraud investigation that is opened on the account. To our knowledge, the consumer had received a confirmed letter in XXXX confirming fraud and the closure of the above referenced account. It is quite unfortunate that XXXX took over 90 days to complete the investigation. I will be cc'ing the FTC and the XXXX in regards to this matter. 

Respectfully Yours, XXXX XXXX, Office Of The President Executive Response Unit ( ERU ) XXXX XXXX  XXXX XXXX
Complaint sub-issue: Account status incorrect

Lenders would not communicate for a refinance of the vehicle and selling of a vehicle. ally auto lender Reported late on payment of loan when the car was already sold. Needs to be corrected on my credit report because its false information
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is falsifying documents to the Consumer Finance Protection Board, violating federal law. 

Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious informaron to the governor and I am reporting them to the XXXX XXXX United States Attorneys office tomorrow. 

They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. 

These XXXX at XXXX has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say i owe. 

I demand an investigation and I demand for a response to these allegations. 

Im not gon na let this go XXXX XXXX  up there in XXXX nobody will anything about it but I have a voice too and Im going public on you and your XXXX XXXX XXXX  company. 

You broke the law and justice will be served. Wait for it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no knowledge of the following inquiry Ally FinancialXX/XX/2019. Please investigate to ensure there is no fraudulent activity. Please remove from my credit report.
Complaint sub-issue: Charged too much interest

Starting in XXXX of XXXX, Citibank began charging me a penalty interest rate of 29.99 %. 
It is now XXXX XXXX, XXXX and I have never had any notification from Citibank that they have reviewed or made any effort to review my payments being on time. I have just recently become aware of the passage of the Credit Card Accountability, Responsibility and Disclosure, or Credit CARD, Act of 2009. The law seems to require that after 6 payments are made on time, the credit card issuer must review the penalty interest rate and return the interest rate to its original rate. 
I called Citibank customer service on XXXX XXXX XXXX and asked about having the penalty interest rate lowered. The person I spoke with said that I am required to make 6 payments on time AND each of those payments must pay the balance in full. 
Is this correct under the law? 
I then called again on XXXX XXXX, XXXX and the person I spoke with said he had checked with a supervisor and that the interest rate can not be lowered " because of the performance of the account ''. I do not have any idea what that means. That person told me they would send me a letter in 5-7 days explaining. I have not received any letter explaining.
Complaint sub-issue: Deposits and withdrawals

My organization has a checking account with PNC Bank. For the two months, we have started to incur analysis fees in the amount of XXXX on XX/XX/20 and XXXX on XX/XX/20. In checking with the bank, we are being charged {$3.00} for each night deposit that we make. Part of the fees are offset by earnings on the account, but the fee itself makes no sense. We are being penalized for putting deposits into our accounts. We do not have an option to use the ATM or mobile deposit because each night deposit contains a large amount of cash. It is also done outside of normal banking hours because of the nature of our business cash flow cycle. 

Now with COVID, PNC has restricted access to the branch lobby. They are basically saying in order to avoid this {$5.00} night deposit fee we should risk our life to make the deposit at the drive-up during their limited business hours. This is anti-consumer and the fee should be eliminated from all checking accounts at PNC. 

I have spoken with our XXXX Banker at PNC and she also thinks the fee should not exist but of course there is nothing she can do about it. This is a great example of a banking executive making a decision in the best interest of the bank 's bottom line which hurts their customers and now is potentially putting human life in danger.