Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I wrote to the creditors above requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from any of them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX, 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 an account without my written instructions
Complaint sub-issue: Debt is not yours

The original creditor is XXXX XXXX XXXX. My daughter was seen at XXXX XXXX on XX/XX/XXXX. I provided all insurance information which was XXXX XXXX XXXX during that time with an effective date of XX/XX/XXXX. The representative did not update her account with that information and caused an insurance denial on the XXXX policy that was termed in XX/XX/XXXX. I provided the updated insurance to XXXX the day of the visit, XXXX XXXX XXXX after receiving a bill and IC System ( collection agency ). This information apparently was still not updated. 
I spoke with XXXX in the billing department for XXXX XXXX XXXX. He was not able to pull up any account with my daughter 's name on it, only my name and nothing with that date of service. I haven't been to that hospital in 10 years. 
There are two issues, no account with my daughter 's information and the insurance information provided on multiple occasions and now this is showing on my credit report due to their negligence.
Complaint sub-issue: Received bad information about your loan

I have been trying since XXXX/XXXX/XXXX since I talked with XXXX at XXXX pm to get Nelnet to make my loan one payment that will cover my interest and pay off my principle as well. I paid over the amount that was due and it did not even touch my principle instead what Nelnet did was " move '' my loan out according to them. Instead of paying once a month I ended up paying three times that month {$130.00} on XXXX/XXXX/XXXX and twice on XXXX/XXXX/XXXX {$200.00} and {$400.00}. I contacted Nelnet once again the following day with XXXX and was supposed to setup a payment once a month of {$610.00}. Supposedly Nelnet fixed the problem and pushed my loans into one payment. 
My payments were never set to the {$610.00} and finally in XXXX I contacted them again to fix this problem. 
On XXXX/XXXX/XXXX I contacted Nelnet yet again and spoke with XXXX about the issue of my loan not being the {$610.00} that its supposed to be as well as why I paid over on my loan group f and it never went down. I paid the {$480.00} they show online due at that date and it was posted on my account on XXXX/XXXX/XXXX. Once again today XXXX/XXXX/XXXX I received an email stating that I now owe {$510.00} and its past due somehow. Once again being charged 2 time in a month and not even for the correct amount. Nelnet does not show how much you have to pay in order to pay down on the interest they show an amount due but it does n't cover interest. They also have n't put any of my money that I pay over to principle. They say I have to check a box that is never there that says I do n't want to " push '' my loan out according to them. I have paid off many loans and continue to pay and have never had any issues like I have had with Nelnet.  They make it a nightmare to pay off your debt and continue to either over charge me or lower my payments so that interest accrues on my loan. No matter how I pay my loan my principle is not going down. This company does everything they can to keep charging you more and make it as confusing as possible to pay it down. Every other loan I have ever had in my life allows you to pay principle down after you pay your payment but Nelnet continues to " push '' my loans out and is doing everything they can to make sure that I do n't pay my principle.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX PNC Bank closed my checking account and my credit card account without my authorization or notification. Along with taking over XXXX in funds rendering them inaccessible causing extreme inconvenience and still have not received my money. I had a altercation with an employee over customer service and filed a complaint with the bank itself. I closed my money market account over this dispute. However I left the checking account open and have direct deposit. This will cause several payroll checks to be returned to employer due to not being able to deposit resulting in severe delays in getting my payroll checks. I was assured by the bank that my account would not be closed when I filed my complaint because the employee ( XXXX XXXX ) I had a disagreement with threatened to close my account during altercation. I was later contacted by Executive Client Relations specialist XXXX XXXX regarding my complaint who told me they would be looking into the matter. Then on XXXX first my account was closed and my money was seized. This is theft of my federally insured funds.
Complaint sub-issue: Account information incorrect

Macys XXXX : This account was paid off and they kept sending me a bill each month. I tried through numerous attempts to get them to close my account, with their being no balance I would get a bill the next month with a balance. This should not be reporting on my credit report negatively.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid off XXXX XXXX my truck payment in full and they reported me 30 days delinquent. It was an error on XXXX XXXX and it was not removed from my report. I want it removed I never missed a payment and it ruined my credit. I am very upset and it is not fair. My next corse of action is suing XXXX which is expensive and I dont want to go through that. Please help. Thank you XXXX XXXX. 

XXXX reported me late 30 days and I had already paid the truck off. Completely ridiculous.
Complaint sub-issue: Information belongs to someone else

AS shown in the attached photos, an account was deleted because it could not be VALIDATED! XXXX XXXX XXXX had put the account back on my credit report under another corporation name ( XXXX XXXX ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( XXXX XXXX XXXX ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO EQUIFAX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!! THEY ARE IN VIOLATION OF 15 U.S.CODE 1692B AND 15 U.S.CODE 1692G
Complaint sub-issue: Keep getting calls about my loan

I got this call from Allied Interstate with a different number and I 'm making my payments to my original debt collection service, while there maybe other calls with outdated information.
Complaint sub-issue: Information belongs to someone else

I sent 3 letters so 1 letter for each bureaus XXXX Equifax and XXXX in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/2018 and havent heard any response or updates to my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Over the course of the past several months, I've consistently been in contact with Equifax consumer reporting agency regarding several fraudulent accounts being reported to my consumer credit file. I've sent numerous letters disputing the validity of these accounts which included a copy of a local police report that was filed by myself. The police report that was included, listed the accounts that were in question and established without my knowledge or consent. Under the Fair Credit Reporting Act section 605b, Equifax continues to violate my consumer rights by continuing to report the fraudulent accounts to my credit file after being notified of the information resulting from identity theft and failing to block the information within 4 business days of notification. This situation has caused a major burden on my current financial situation and been detrimental to my creditworthiness. I have been unsuccessful in my previous attempts in trying to resolve this matter with Equifax and plan to pursue litigation as a final result if necessary. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are the accounts that are in question and should not be appearing on my credit file due to identity theft.
Complaint sub-issue: Account information incorrect

account # XXXX XXXX XXXX is reporting inaccurate factual information on my XXXX and Equifax credit report and according to the FCRA XXXX it should be removed from my credit report. Equifax is reporting the number of months ' terms as XXXX and XXXX is reporting it as XXXX. XXXX is also reporting date last active as XX/XX/XXXX and Equifax is reporting date last active as of XX/XX/XXXX which is inaccurate information and should be deleted from my credit reports, also the date of last payment is being reported by XXXX as XX/XX/XXXX, and date of last payment is being reported as of XX/XX/XXXX which is a violation of the FCRA and should be removed immediately from my credit file. Thank You
Complaint sub-issue: Debt is not yours

XXXX  is reporting negative information in my credit file. I’ve requested validation bearing my signature multiple times and they have failed to provide this information.In addition I’ve received notifications from the credit bureaus and XXXX XXXX stating that the account has been removed from my credit file. As of today the account is still reporting negatively. I am asking for this account to be removed immediately. I’ve attached proof showing the deletion.
Complaint sub-issue: Problem with customer service

I paid my personal student loan that was held by American Education Services with a personal loan that I received from XXXX XXXX. I have not received any information since the payoff, no letter confirming the payoff. In addition, the XXXX XXXX over paid the loan amount due and the refund check was never received by me, the borrower, nor XXXX XXXX. When I called the student loan company I was given a check # and an amount of {$770.00} but no one can tell me where it went only when it was sent and I have no confirmation of it, no receipt, nothing. 

It is extremely frustrating and the customer service is not good at all. 

We need to find where our check is and have confirmation of the payoff. The service that American Education Services has provided is extremely poor and seems a fit fraudulent because of the loss of funds and the bad communication. 

Company information : American Education Services XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX-XXXX-XXXX-XXXX  Fax : XXXX-XXXX-XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

IC Systems collection for what it says was my direct tv account. I have submitted both the last bill amount they are saying was owed to them, which services were billed a month in advance anyways so I shouldn't have, had a bill when service terminated. They on numerous previous disputes to them on amount said the never received equipment back which I was able to prove they did back when the collect was under XXXX before they sold the debt. I have not had them in 7 years easy so all the dates are incorrect. Everyone keeps selling this debt and I have to start the process over and over
Complaint sub-issue: Their investigation did not fix an error on your report

In reviewing all three of my credit reports, I noted that a tax lien that contained erroneous information was on all three reports ( XXXX, XXXX, Equifax ). I wrote to all three agencies, and XXXX and XXXX immediately the erroneous information from my consumer report. <P/>However, Equifax " verified '' the erroneous information as correct. However, Equifax did not abide by the FCRA by going to the source of the alleged erroneous information, instead they went to their business partner, XXXX. <P/>In other words, Equifax simply used its own records to verify the erroneous information. <P/>See, XXXX XXXX XXXX XXXX As there is no dispute Equifax and XXXX are in a partnership, as they released the above press release. <P/>In an effort to resolve this prior to the FCRA complaint I will be filing, I sent another letter to Equifax asking them to please abide by the FCRA and complete a " reasonable investigation '' This letter was completely ignored. I even asked Equifax to run my name, XXXX XXXX through XXXX, to show I was serious and was still ignored. <P/>I have retained XXXX XXXX XXXX and they are preparing the FCRA complaint. As the FCRA allows for punitive damages for a willful violation, I am filing this Complaint, which I expect Equifax to ignore. <P/>I under the CFPB can not represent me, but a punitive damages award against Equifax will help all consumers, because if Equifax will violate the rights of a consumer that clearly will litigate, there is no telling how they are treating less informed consumers. <P/>Thank You
Complaint sub-issue: Information belongs to someone else

103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed XXXX  Report Number : XXXX XXXX  File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold XXXX debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. also i recently found out i was involved in the data breach with Equifax in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Amount {$2500.00} Date Opened XX/XX/2020 This account was settled with XXXX XXXX years ago and agreed that it was opened fraudulently and that I am NOT responsible for the debt.
Complaint sub-issue: Old information reappears or never goes away

1. please remove old items i.e XXXX XXXX XXXX XXXX etc. 
2. Why does it still show I owe? Please remove items that have been paid
Complaint sub-issue: Information belongs to someone else

remove the FCRA vioaltions see attachments
Complaint sub-issue: Information belongs to someone else

my information has been comprimoised and used to open several fraudulent accounts
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}
Complaint sub-issue: Account information incorrect

have to late payments XXXX XXXX first premier and XXXX XXXX XXXX  XXXX sent dispute directly to both companies and dispute wiyh all three credit buearus its been past 30 days no statement from companies have been submitted to credit buearus and buearu did not remove also a have 2 XXXX federal accounts that transunion hasn't removed please remove under the ftc report on those two accounts under the 605 act
Complaint sub-issue: Problem with fees

This is a formal written complaint about the matter related to my PNC Bank complaint reference # XXXX. 

In a PNC offer I received that had an expiration date of XX/XX/XXXX. I took the offer to mean that both the balance transfer amount and the amount of any purchases during the promotional APR period would be subject to the 0.00 % rate through XX/XX/XXXX. Then as the offer states, After XX/XX/XXXX, you will be charged the standard variable APR for purchases. 

I spoke with three members of the complaint escalation team, all helpful, but the conclusion being that PNC intended the offer to apply to the balance transfer only. I find the offer to be deliberately misleading and as such am filing a complaint on the CFPB site as well. I am further surprised that now the only way to prevent further finance charges to my credit card account is to pay off the entire balance and not just the purchase portion of it.
Complaint sub-issue: Account information incorrect

First of all this account was settled for half of it faced value {$4500.00}, I made 8 paymentsat {$100.00} per month as agreed. But the new account was never recorded. It has been almost a year since I have been making payments toward it but Discover refused to update my account. I called them and asked them to correct the balance shows, they said yes but nothing was done about it. I would to see the balance agreed upon and credit for the payments I made.
Complaint sub-issue: Debt is not yours

CFPB closed my previous complaint on XXXX for whatever reason and then the same company, FINEX Group XXXX XXXX XXXX XXXX XXXX XXXX called again saying I owed a debt? I NEVER received anything in writing from anyone for a debt. I have NO Debt, No mortgage, No Car, No credit card, etc. Their Web site says their address is Permanently Closed. Please put these scammers in jail.
Complaint sub-issue: Was not notified of investigation status or results

For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.
Complaint sub-issue: Reporting company used your report improperly

XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance {$520.00} XXXX XXXX XXXX Hard inquiry XXXX XXXX Hard inquiry XXXX Hard inquiry In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section A states I have the rights to privacy.

15 U.S.C 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt resulted from identity theft

there is a charge on my credit report that is not mine please remove it i have never had an XXXX account in cali
Complaint sub-issue: Billing dispute for services

I financed a tv a wall mount and a XXXX XXXX all in one touch screen desktop thru conns I paid an additional XXXX to XXXX dollars for property insurance 4 days after the initial 1 year warranty the desktop began to malfunction I disputed with conns for more than I should have had to get issues resolved but gained no resolution then I had to go out of state for work when I got back on XX/XX/XXXX I found my house broke into my renter insurance advised me that they would not cover the items from conns as I had insurance through them so I began that process with conns it took them over three months to even start on the matter they wanted me to fill out adjuster paper work despite not being an adjuster they advised me in XXXX ( XXXX XXXX to not make payments on acct and they would not be reflected on my credit then the began making negative reports against my credit then their mitigation department started to call and email daily demanding a payment for XXXX for the wall mount of which I only had half as the other half was attached to the tv that was stolen then they reviewed the acct I got a call from the company customer relations department and was advised that the original finance amount was XXXX and to date I had paid XXXX of that on XXXX XXXX they got a check from life of the south the insurance company ( the insurance company on my original purchase is XX/XX/XXXX ) # XXXX for the amount of XXXX and that conns told me they would send me a check for XXXX for the products which doesnt cover anything not replacement not reimbursement nothing then I got an email stating that on XX/XX/20 they mail a check for XXXX which again does not even come close to covering the XXXX I paid for these products that 0werte faulty to begin with its like I am being robbed all over again and I am still out a tv a wall mount and a very expensive desktop insurance papers says that they pay to conns and conns is supposed to either replace the items or give you money back I do not want to replace the items thru conns I dont ever want to use conns again but I do want my money back I called a lawyer they said that I have a case but conns typically likes to drag things out for years and years and often for so long that people drop the case as they can no longer afford the cost of continuing with their legal pursuit. They reported negatively on my credit and are robbing me of the money paid out
Complaint sub-issue: Reporting company used your report improperly

I sent a letter to Equifax stating that they had violated 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining, money property, labor, or services on credit card. Notice, congress said Any card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transition below. I have attached the dispute letter I sent to Equifax.
Complaint sub-issue: Problem with fees

I opened a US Bank credit card on XX/XX/XXXX of XX/XX/XXXX to pay for college textbooks. I went into US Bank back in XXXX of XX/XX/XXXX to try and pay whatever the remaining balance was. They told me the balance owed was {$210.00} but that I had to call the credit card recovery number and pay them. I called and talked to XXXX and paid what I was told was due but was not made aware there were fees and other added interest. And now there are saying I owe {$320.00} but I cant pay it today because my account is in transition that I have to call back tomorrow and pay it and it wont show for 15 days and then another month after that for my credit score.
Complaint sub-issue: Account information incorrect

on XX/XX/2021, i sent letters to XXXX  and equifax about the inaccurate items as well as the unauthorized inquiries reporting on my credit report.i sent it off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXXthese negative items are stopping me from getting a home and car, plus added XXXX  causing me to go to the doctor more for medication