Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Billing problem

Had a vehicle loan with Ally in early 2016 for a XXXX   XXXX. I entered bootcamp XX/XX/2016, prior to that had a billing issue with Ally which I was trying to correct with them. During the time I was in bootcamp, I received a letter from Ally notifying me of their intent to sell my vehicle, which they had repossessed over the {$250.00} billing issue. I have copies of the letter from Ally. In XXXX this year, I received a letter from Ally stating that the vehicle in question, had been " repossessed in error ''. They sold my vehicle and are billing me for the residual balance of the original loan. They sold my vehicle and repossessed in error and I should not owe them anything, they should owe me for the equity I had in the vehicle. I went to XXXX XXXX Assistance attorney who sent them a letter of representation and they have been avoiding sending the documentation he is requesting and not returning phone calls at all now. They have not sold this to collections, but the negative reporting is affecting my credit. I want this resolved and corrected.
Complaint sub-issue: Having problems with customer service

I have XXXX student loans in TPD at NelNet under the 3yr monitoring period which XXXX began XX/XX/XXXX and other XXXX were XX/XX/XXXX so XX/XX/XXXX instead of discharging the XXXX XX/XX/XXXX I was notified that all XXXX were being reinstated so after a couple phone calls helmet put the loans back in monitoring discharging XXXX and leaving XXXX until XX/XX/XXXX. XX/XX/XXXX helmet reported my loans to the XXXX credit agencies but have made a huge error and refuse to fix their mistake. Basically my XXXX loans are reported to experience, XXXX as XXXX desperate loans and to XXXX as XXXX delegate loans with XXXX account # XXXX being being reports to all XXXX burueas 5 times with different amount that total {$14000.00} bringing my overall credit as being serious delinquency and dropping not only my rating but my wife 's as well from XXXX to XXXX. I have contacted helmet and have been told by them they have done no wrong but there is o excuses for this company to take XXXX loans and report them as XXXX loans then be informed of their error an ignore it. I have since filed disputes with all. XXXX credit burueas and will be going back and putting fraud reports with documention showing how wrong nelnet is and hope that I do not have to file bankruptcy because they refuse to properly do their job. Help make them do their job correctly nothing more nothing less. XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent certified letters to each bureau and have not received the proper response. The items on my report do not belong to me and i have requested that they be verified with each bureau. 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: Account status incorrect

I'm on a deferred payment plan t never ; late
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a whole bunch of hard inquiries on my report I didnt authorize
Complaint sub-issue: Deposits and withdrawals

On XX/XX/21 I noticed that my debit card kept declining. It was the evening time when I logged into my online account and noticed it said my debit card had been closed. The next morning I called and customer service gave me another number because they didn't understand what was going on but continued to tell me that on XX/XX/21 they were closing my account completely. I was in shock and she could not tell me why they were closing the account but gave me this statement that was given to me by everyone I spoke to on today, XX/XX/21. I called the number and they said oh we don't know but PNC doesn't have to tell you why we are closing your account. I have several bills that come out of that account as well as my direct deposit. I have been a customer of PNC Bank for almost 15 years so the least they can do is tell me why they're closing my account. I am disgusted that they would treat a long time customer like this. I also went into thE branch and the lady looked through my account and said she seen no suspicious activity so she was just as confused as me. Please help.
Complaint sub-issue: Investigation took more than 30 days

I have new & updated information on XXXX, Equifax, & XXXX ( The CRAs or Consumer Reporting Agencies. ) On XXXX XXXX XXXX XXXX the consumer, sent Equifax, XXXX, & XXXX certified mail stating Im a victim of identity theft with an attached identity theft report. The CRAs must honor my request to remove fraudulent information from my consumer report. The CRAs failed to block the items from reporting pursuant to 15 USC 1681c-2. They instead made it a 30 day dispute. Its now XXXX over 30 days later and passed the deadline of the investigation. The unauthorized items must be deleted immediately. If the CRAs fail to delete the items from my consumer report, theyll be willfully noncompliant and will be on record for certifying the accuracy and completeness of the unvalidated items. ( see attached files )
Complaint sub-issue: Account information incorrect

Recently my insurance premiums substantially increased resulting in XXXX dropping me as a customer after 30 years. I had to find alternate insurance and obtained XXXX. The issue I have is XXXX XXXX reported me as being " at fault '' for my one and only collision. ( I have had parking dings ). But the police report states it was a " no fault '' accident. I provided the police report to XXXX along with an explanation but nothing was done just a standard letter requesting more information which had already been provided. 

According to discussions with XXXX, they indicated they used the XXXX XXXX report to determine insurance premiums including any lapse in coverage. There was a 2 week lapse when I was not aware XXXX dropped me until the next premium payment was small. When I called to find out, I learned I no longer had XXXX Auto and immediately secured coverage. This lapse was a first for me and was immediately rectified. I am paying outrageous premiums now that are based on the assumption I was " at fault ''.
Complaint sub-issue: Information belongs to someone else

This is account is inaccurate and incomplete information is reported differently on XXXX, Equifax and XXXX. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received an unsolicited US Bank Reliacard. I called several time and I am unable to get an agent. There is no email address to submit my concern and I couldn't find information on their website
Complaint sub-issue: Information belongs to someone else

I sending this information to you because I found many accounts open under my name this fraudulent accounts are fraudulent accounts.
Complaint sub-issue: Information belongs to someone else

On XX/XX/18, I contacted Equifax and requested that Equifax block a fraudulent account from XXXX XXXX XXXX pursuant to the section 605B of the FCRA. I attached an identity theft report naming the fraudulent account and a copy of my identification with my request. 

On XX/XX/18, Equifax denied my request to block the fraudulent account without a specified reason or good cause.
Complaint sub-issue: Having problems with customer service

I have just entered repayment for my student loans, both sallie mae and XXXX, paid to XXXX college and XXXX university. I 'm a graduate XXXX and am a life long PA resident. I am making under {$26000.00} annually and am due to give birth in XX/XX/2016. With added medical bills, from pregnancy and a preexisting condition, and day to day bills, I contacted my lenders to work out lower monthly payments of some sort. Sallie Mae informed me their extended repayment program would n't change my payments and they could not help me any further. Now every time I call them they are brash and offended when I ask about any programs they offer besides deferment. XXXX, I have called many many times, filed a complaint on this site before and followed all the paper work trails they have asked me to. I did this in the hope of getting income based repayments, but the last time I called I was actually told they could n't lower my $ XXXX monthly payments a lot and that " because I have n't missed any payments 'they ' have no other options for me at this time. '' As a responsible adult I 'm trying to work with them and even did financial statements for them, showing I have an extra {$10.00} a month and my cosigner has very little extra income as well. 
I am trying to work in their rules but I 'm simply not able to pay and neither is the cosigner, and after my forbearance has ended my only option according to them is to stop paying. 
The fact that my original lender for all my loans, sallie mae, specifically told me that I could get income based repayments after graduation is most annoying part.
Complaint sub-issue: Their investigation did not fix an error on your report

There are inaccurate accounts that remain on my credit report, however the credit bureau has failed to provide proof of verification.
Complaint sub-issue: Their investigation did not fix an error on your report

I have asked XXXX to validate the debt they are trying to collect on, find attach what they send me every time I request validation I have ask them to send me the contact information to the original creditor, I have ask that they send me a contract with my signature, in which case I have received neither of what I have requested, I do receive that they have verified with there client and I need to pay. These letters they send does not meet validation required by the fair credit reporting act, this is the same information they send to the credit bureaus. so not only is XXXX is in violation of FCRA so is Equifax. on top of not validating these accounts, there showing that I have owed {$80.00} as of XX/XX/XXXX, but in there letter they are stating the service date is XX/XX/XXXX which is re ageing this unvalidate debt, which again is a violation of FCRA, The other account is reported as in debt as of XX/XX/XXXX, in there letter they state {$480.00} service date of XX/XX/XXXX again re aging a debt. find there letter if they would like to see all letter which are same sent to me but different dates, there has not been no proof sent that these are my accounts.
Complaint sub-issue: Was not notified of investigation status or results

I have filed a dispute with all three Credit Bureaus on three different occasions which were all through letters mailed out to them on XX/XX/21, XX/XX/21, and XX/XX/21. These disputes were on an inaccurate late payment that was reported on a Real Estate mortgage that was ultimately paid off. Also I disputed a slue of inquiries that weren't authorized by me. I have yet to hear anything about the results of these disputes.
Complaint sub-issue: Attempted to collect wrong amount

RE : Receivables Management System ( XXXX XXXX XXXX XXXX VA # XXXX ) My name is XXXX XXXX XXXX I am XXXX-year-old XXXX woman on SSDI. As of XX/XX/XXXX I resided at XXXX XXXX XXXX. XXXX, VA XXXX ( tele ) XXXX XXXX XXXX ( 1 ) Complaint for Attempts to collect debt not owed. I was a designated user on the primer XXXX XXXX XXXX XXXX XXXX XXXX account : I had no knowledge of any debts owed or unpaid balances until it was posted to my credit report after Mr. XXXX. possible default?? ). However, Receivables Management Systems are currently assessing me interest and fees on a debt which I have not agreed to. 
( 2 ) I never received an original notice in XXXX from Receivables Management Systems, or any written notification about a debt owed. I was not afforded the opportunity to dispute a debt nor was I privy to any knowledge that I could, dispute the debt. My first notice was found on derogatory remarks on my credit report two years ago. 
( 3 ) Per XXXX Credit report XX/XX/XXXX, the actual date of Birth on collection account was not my own. The incorrect Birthday was XX/XX/XXXX. I have since corrected the wrong birthday in an XXXX   complaint. 
Per the Credit report the maximum, limit ( highest Balance ) on that account debt was {$340.00}. They have disfigured my credit report by stating I owe {$630.00}. Receivable Management Systems collector has used false, deceptive, or misleading representation in connection with the collection by falsely representation on my credit report. The character, amount, of their originators/debtor is in error. Further, as stated 15 USC 1692f 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have not ever agreed to pay interest or fees to XXXX XXXX or Receivable Management Systems.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy .

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I have been reviewing my credit file and upon receipt of my updated XXXX, XXXX and XXXX I noticed there is an account that I am not familiar with, that has not been validated. After further investigation and entering the companies information in the North Carolina Department of Insurance database, I realized that the company named ERC is not licensed to act as a collection agency in the state of North Carolina which is where I reside and have resided the majority of my life. Information is updated as of XX/XX/2018.
Complaint sub-issue: Information belongs to someone else

I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my Equifax and XXXX credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017
Complaint sub-issue: Account information incorrect

I have been disputing this account for validation, verification and inaccurate information reporting from XXXX  XXXX XXXX. The Bureaus and Creditor have failed to accurately report or removed on my credit report. My husband had the same account on his credit file and it was removed from his with no issue. I have sent countless letters and its still remains on my file with inaccurate information. Please investigate as necessary.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 i sent a letter to the credit bureaus regarding inaccurate and unknown things on my credit report it is now well over 2 months later and i have not gotten a response on these matters. In Section 611 ( a ) it plainly states failure to investigate these items within 30 days gives reason to immediately remove them from my credit report entirely. We are now beyond the 60 day mark and these items should be removed promptly. I demand the removal of these accounts or I will begin the litigation process due to the stress this has caused me as these items are falsely representing who I am and negatively impacting me. Further my information has been compromised due to the Equifax data breach and my information may have landed in the wrong hands
Complaint sub-issue: Problem with fees

I have a small balance credit card from Citibank for a Home Depot Account. I have been struggling financially but have still been making payments every month. The promotion on the card was for 12 months of no interest. I am still within the promotional period, but found out that they have added more than XXXX USD in late charges to the account, since XXXX. That is nearly half the balance owed and is a ridiculous amount. I am trying to pay the promotional balance in full to bring the account balance to XXXX, but I can not justify paying Citibank XXXX USD in late fees on a XXXX USD balance. That is asinine and ridiculous. I called to find out what was going on, because my balance seemed off considering the promotional balance due. The agent waived only one fee, and then passed me to a supervisor that stated that they could not waive any more of the charges. I call bologna on that. I know that Citibank has the power to make this right for a customer who is trying to bring their account current and paid in full. I am asking that they waive most of the late charges if not all of them. In exchange I will agree to pay the promotional balance owing and bring my account current on XX/XX/2022.
Complaint sub-issue: Personal information incorrect

I am getting harassed by total visa credit company about a XXXX XXXX  debt that I want to be validated for multiple purposes, due to billing errors and etc
Complaint sub-issue: Problem with fees

OK. I have had my  CITI AAdvantage card for 2 years. W hen the annual fee was charged, I called  XXXX   XXXX  and asked if I can have any retention bonuses. I was told if I spent {$95.00} or more, I will have credit of {$95.00}. So I spent over {$95.00} immediately after call and finished my spending for a couple days. I called twice, but they told me I will get it and it usually takes time. I belived. When I call ed two day s ago again, now they told me I did not meet minimum spending requirement.. Because I need to wait for a couple of days in order for them to put in to the system ... But I did not hear about it during my first call. Also then why did they tell me during my previo us two calls? They told me they will check recordings, so I said please go ahead to check them . I com plained that I do not want to spend my time and effort and was told by CITI staff that we also did not want to spend it to you. What makes mt pissed off is that this is the second time.. Last year CITI told me that they will provide a bonus point if I keep the card. So I did, but later    they told me no one said that and no record. I insisted to check recordings and finally they agreed to give me points. I hope the service gets better. It is not just money, but trust between customers and banks. Hope they find it and sorry about it.
Complaint sub-issue: Information belongs to someone else

I mailed out a copy of my, Sate ID, SSN card, FTC identity theft report, identity theft letter and police report certified mail return receipt, to XXXX requesting fraudulent information be block on my XXXX credit report in accordance to 15 USC 1681 C-2. Which was mailed out on XX/XX/2022 and received on XX/XX/2022. XXXX and XXXX have blocked information but XXXX has not. 

Information I requested blocked due to identity theft XXXX XXXX {$1800.00} Discover Bank {$1500.00}
Complaint sub-issue: Trouble with how payments are being handled

Hi, in resolution of my complaint # XXXX, XXXX agreed with my regulator to count my XX/XX/XXXX payment towards PSLF. However, they have refused to honor that agreement. I have records attached. Also, they have since refused to honor the limited waiver program to count my XXXX and XX/XX/XXXX payments towards PSLF. I've attached proof that those payments should be counted as well. Moreover, they haven't updated my count to include my most recent employer certification. To help you navigate the attachments, I'm attaching some additional XXXX records ( my loans were transferred from XXXX to XXXX at the end of XXXX XXXX ). Of course, my loans have since been transferred to Mohela which does not have adequate phone contact information. Some numbers dont work and the ones that do only have recordings, no options to connect to a representative. Please help to rectify my account/PSLF tracking the limited waiver program expires. Thank you so much.
Complaint sub-issue: Personal information incorrect

company was asked to update my address and remove all previous address and correct birthday and remove place of employment. Letter was sent out XX/XX/21 and i have got no response.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.