Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I sent a dispute letter by certified mail to Equifax. Tracking number # XXXX. Disputing an unauthorized inquiry. ( 1 ) by XXXX on the date of XX/XX/XXXX. ( 2 ) XXXX XXXX XXXX on the date of XX/XX/XXXX. I contacted both companies asking that the unauthorized Inquires by removed from my credit report. I was informed that Equifax Held the authority to remove the unauthorized inquiries from my credit report. On XX/XX/XXXX I called Equifax to see if they had received my Dispute letter. XXXX the Equifax representative informed me that my dispute letter had not been, nor could he remove the unauthorized inquiries from my credit report. I'm seeking to have this matter resolved. 
These inaccuracies are hindering me in many ways. 

Sincerely, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

During the XXXX XXXX my tenants left without notice, I called the bank and I asked for a repayment plant for the month of XX/XX/XXXX, I was not late when I called. The suppose to give a repayment plan without affecting my credit but they lied not only that they charged me for a fee that I didnt agreed upon. I called several times XXXX I kept receiving these late fees letters and everytime I called I was told the repayment plan will take care of it that I wasnt being charged form them. I made my last payment in XX/XX/XXXX. My credit score went down 31 points thats when I found out they reported late payments. Im very disappointed, I complaint and they suppose to start an investigation but apparently that was never done. They are cheaters and liers they dont have a good customer service most of them dont know even simple math. They need to be investigated they dont even seem a serious bank. My loan was sold to them by my bank and at this point I cant even refinance with other bank because of the bad report. I havent been late with a mortgage payment in many years I believe they did this in porpoise because I threaten them with leaving the bank. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously disputed the accuracy of the information for the two closed at my request and paid in full, XXXX XXXX XXXX accounts, with all CRAs ( XXXX, Equifax, XXXX ) and XXXX, however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

Account number # XXXX Account number # XXXX The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Credit Limit Last reported Date last active Date of last payment Late payments reporters in the months of XXXX and XXXX of 2020.
Complaint sub-issue: Their investigation did not fix an error on your report

IC Systems Inc. has continued to reflect a derogatory account entry on my XXXX credit report despite my efforts to challenge the validity of such. IC Systems has not once notified me of this alleged debt in writing. In particular, per FCRA, I was supposed to have received a dunning letter from them whereby I would have had 30 days to dispute the validity of such account. To date, I have yet to receive anything from this company. I have never heard of this company, nor have I ever conducted any business with this company. The mere fact that they blatantly placed this erroneous entry on my credit report and continue to report it is causing further detriment to my creditworthiness. 

In my review of this account entry, ( see attached documentation ), as IC is reporting on my XXXX   credit file, they stated that the account was opened in XX/XX/2017 and they started reporting in XX/XX/ 2017.  How then, did they allow 6 months as per the Affordable Care Act for any insurance payments to process? They did not provide the financial responsibility statement nor any documentation to support or justify this alleged debt. 

In short, this entry is erroneous and unverifiable and must be DELETED immediately due to IC Systems forfeiting my rights under consumer law.
Complaint sub-issue: Trouble with how payments are being handled

I have been making regularly scheduled automated payments for over 10 years without a single missed payment. My total student loan debt is divided into three loans, 1 subsidized and 2 un-sub. I have been mailing personal checks for payment to principal on the lowest balance loan since XXXX XX/XX/2018. These checks have included specific instructions in a written letter to apply the principal payment to Sequence Loan # 3, with that info also included on the check itself. I have made seven payments this way since XXXX XX/XX/2018 while my regularly scheduled payments have continued to be made by automatic withdrawal from my checking account on the XXXX of each month in the amount of {$300.00}. Of the seven principal only payments I have made, 5 of them, including the one posted yesterday, XXXX XX/XX/2018, have been misapplied to all three of my loans instead of the individual loan I designated in writing. Each time I have had to either call customer service or email them to request the payment be correctly applied according my express written instruction. In each case they have complied but it takes them several business days to do so. I don't give a flying flip if they corrected each one, this is an incredible failure rate of 5 out of 7 payments over the last 86 days. They don't expect consumers to monitor every single payment like I do and they hope that these 'errors ' will go unnoticed. This is a direct and deliberate effort to keep students in debt for longer periods. Further, my 'principal only ' payments are being applied to interest also, which is illegal. I make regular monthly payments by automatic EFT which cover the monthly obligated interest on all three loans. AES claims that their fine print states that any payment received must be applied to principal and interest due compounded daily. They are using a loose and biased interpretation of banking & finance regulation to twist the process in their favor and keep students in debt for longer periods. Judging by the sheer volume of complaints I have read about PHEAA/AES it is clear that I am one of THOUSANDS of student-loan borrowers who are being screwed by this company. WHY ISN '' T ANY AUTHORITY DOING SOMETHING ABOUT THIS FRAUD!
Complaint sub-issue: Their investigation did not fix an error on your report

Inaccurate date on last payment.Last payment was made on XX/XX/2015 but creditor has reported XX/XX/2015. 
Reporting credit company has no done sufficient investigations
Complaint sub-issue: Application denied

I was informed by my financial advisor that a good strategy to pay down my high interest credit card was to apply for a cash balance transfer card. I applied for a cash balance transfer with XXXX XXXX and was denied. 

She suggested I research some credit unions which might be able to supply me with a cash balance transfer so I googled some on XXXX and applied for three credit cards, all credit cards happened to be serviced by Elan Financial Services. The options available local to me were not as good as they were with the three other accounts I applied for ( XXXX, XXXX and XXXX ). Those three cards had the terms that would be best for my personal situation so I applied for them. 

I received mail that my application was denied, I called XXXX and was accused of fraudulently using a third patty broker to apply for my cards before I had a chance to provide authentication information. I asked to speak to the supervisor, who directed me to fax over additional documentation to prove my identity. I faxed my SSN, passport, Lease and bank statements. 

I didnt hear back for a few days so I called back on XXXX I was informed my documentation is illegible so I was told to email the documentation over. I emailed it over and didnt hear back, so I called on XX/XX/XXXX. 

On XX/XX/XXXX, I was informed by an XXXX representative that my application was approved and that I would receive additional information in the mail. 

On XX/XX/XXXX, I received mail from XXXX again stating they could not process my account because they were unable to verify my information. The letter was dated XX/XX/XXXX, the day after I was told my application was approved. 

When I called on XX/XX/XXXX, I was spoken very rudely to by the representative who first told me I shouldnt have emailed my information, which made me worry that my personal and confidential information was in the wrong hands. When I asked for information on why I was denied, she started to chastise me about submitting three applications for different credit unions. When I asked to speak to a Supervisor, she said the outcome will be the same and that she is unable to provide me with more information.

When I spoke with the supervisor, I asked what about my application wasnt able to validate my identity when I sent my lease, SSN and passport, he said he wasnt allowed to clarify for me. I asked if thats the case as per their internal policies that they can, he said it is. I told him it was unfair that I was initially told that I was approved and then the representative lied, he said that they are allowed to renege on a decision, I asked if that was legal and he said it was. I elaborated my situation and that I was desperate for this cash balance transfer card and he said that the conversation wasnt going anywhere and hung up on me. 

I understand the risk flags were waved for my application, but my identity authentication information along with my bank statements were all authentic. They did not want to establish credit for me and I feel it was race motivated. I was spoken to extremely rudely when I was trying my best to be polite.
Complaint sub-issue: Their investigation did not fix an error on your report

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Complaint sub-issue: Can't get flexible payment options

My Interest is very high for this loan. It just seems that I was misled and not properly educated on the interest rates of this loan.
Complaint sub-issue: Account status incorrect

On XX/XX/2022, I paid True Accord {$450.00} for a collection balance that was already settled on behalf of XXXX XXXXXXXX XXXX. 

I received an email from them stating that I could settle my debit. 

The balance was similar to another debt that I owe to another creditor, and I was the impression that I was take care of that debt. 

I do believe that was fraudulent activity committed by TrueAccord, and I'm unable to recover my {$450.00} back and need outside mediation.
Complaint sub-issue: Frequent or repeated calls

every day at XXXX the call start and they dont stop all day long they call at XXXX XXXX today theyve already made eight calls to me I receive no mail I received no message as call and hang up every day Monday through sunday
Complaint sub-issue: Information belongs to someone else

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Sir/Madam, I've submitted a letter in response to your XX/XX/2020 letter but didn't get any response. So I '' m attaching the letter again here. 

Also, among the two loans you sent over, one under XXXX XXXX, the other under XXXX XXXX, which one did you approve? It seems per the document your sent over, those two are differed by interest rate, XXXX XXXX one is prime rate -0.5 % the other is prime rate +1 %.  Would you please send me promissory notes for both, as you claim both are my loans? 

Thank you very much for your time!
Complaint sub-issue: Lender trying to repossess or disable the vehicle

About a year ago I filed a complaint with PNC Bank after they repossessed my car. PNC Bank admitted fault and fired an employee who had misrepresented PNC 's policies. I had prepaid a year in advance and payments and instead PNC had switched the payments over to a lump sum towards principle despite the fact that the payments were earmarked for monthly payments. I talked with PNC executives and they resolved the case, admitted fault and refunded me most but not all of my costs including damage to my vehicle and the mental anguish caused by PNC 's negligence. 

Once again after depositing nearly a Year 's amount of payments for my auto loan in the month of XXXX and despite having a record of automatic payments taken from my PNC checking account, PNC has sent the loan to collections. I attempted to contact the PNC executive who had handled my case before and she did nothing personally to resolve my issue. On top of this, my auto payments include late fees despite coming from a PNC checking account to a PNC loan account and I am missing statements which are made unavailable to me on the PNC online platform. 

I'm in fear that PNC will once again repossess my car. I am also worried that PNC is carrying out fraudulent activity targeting myself and others on a systematic level. I do not believe a normal banking practice to leave out various month statements. 

Over the recent years PNC has settled numerous class action lawsuits involving allegations of fraudulent activity. I believe I may be one of a class of victims who have been targeted by PNC 's auto loan department.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been dealing with AFNI in regards to XXXX for over a year. Every letter I have sent, I have asked for them to VALIDATE the debt. In my letters, I have also asked for them not to send any photocopies of a XXXX XXXX, I have continually have asked for AFNI to send any legal documentation stating I have any business dealings with them. All they ever do is constantly send over a copy of a XXXX bill. Even the XXXX bill doesn't mention the company AFNI on it. I just want LEGAL DOCUMENTATION stating I agreed to have any business dealings with AFNI!!!!!! I am tired of going back and forth with this company!!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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: Debt is not mine

For 2 years, since XXXX, Dyck-O'Neal made my life unbearable with incessant phone calls and letters alleging that I owed a debt to XXXX XXXX that they were authorized to collect ( attached ). Uncountable times, I responded and advised them that I did not owe XXXX XXXX any money but they continued to harass me. Several times I called the number I was advised to call but the harassment continued. Then I applied for credit and was denied and informed that it was largely because Dyck-O'Neal had reported this debt on my credit ( attached ). My credit score dropped as a result of Dyck-O'Neal 's reporting. I contacted XXXX XXXX and they confirmed to me that I did not owe them any money and that they had not authorized any collection from me ( attached ). I confronted Dyck-O'Neal again and they wrote me a letter on XXXX XXXX, XXXX simply stating that they have ceased collection activities ( attached ). No apologies. No compensation for the emotional and financial stress they put me through for 2 years!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX 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 XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
HJR 192 Remedy the government has obligation to discharge and settle debt we may incur
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

XX/XX/XXXX I called Elan Financial Services and I spoke with XXXX-CSR about paying off my {$300.00} secured credit card. I was advised by XXXX that she could not discuss my account as it is no longer open and due to a system update she is unable to accept any payments or see any account information including balances. She stated to call back in 2 weeks to see if the account has been updated. I advised XXXX that I had spoken with someone in XX/XX/XXXX at Elan Financial Services who advised that no account information can be given at that time and to call back. Per that representative multiple customers accounts have been in the system update status since XX/XX/XXXX. There is nothing that can be done on their end to assist me. 

XX/XX/XXXX I called Elan Financial Services and I spoke XXXX again about my account balance. She advised that my account is still in the system update and she is still unable to provide any account information. Elan Financial Services advised their customer service representatives to tell all customers with outstanding balances that accounts are involved in system update and to call back at a later date Explained to XXXX I have been trying to pay this balance for months with no success. All 3 credit bureaus are being updated and showing that I am 90 days delinquent and I am unable to resolve my account with Elan Financial Services or have my credit reports updated. XXXX understood but stated she is unable to assist me and to call back in two weeks.
Complaint sub-issue: Debt was paid

XXXX XXXX is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!
Complaint sub-issue: Debt was result of identity theft

I am disputing the collections balance of {$1400.00} under XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX. XXXX 's letter states the original creditor was Citibank , N.A . The Home Depot Consumer Account Number XXXX, however, I personally contacted Home Depot and Citi Bank and they stated they did not recognize the account numbers provided by XXXX. This balance is a result of identity theft. I have reports from credit agencies with proof of multiple addresses, credit cards, and intents to use my identity to sign up for services, which can be provided to CFPB upon request. I have made multiple attempts to contact the XXXX to obtain more information, such as purchase receipt, but they have been unwilling to provide it. Any time I call XXXX, they are threatening and unwilling to provide further information unless I provide personal information, such as SSN and payment information, which is not recommended. I sent XXXX, their lawyers XXXX XXXX XXXX XXXX XXXX XXXX, and credit agencies an FTC Report via certified mail indicating I am an identify theft victim and requesting them to remove the balance. The FTC Report Number is XXXX. I obtained confirmation from USPS that it was received and signed by XXXX, XXXX and the credit agencies, yet both XXXX and XXXX mailed my letter back days later. I have attached the signature confirmations from all companies and dates in which they were received. I also have copies of the signatures which I may provide if requested. To this day, I have not received any response from them regarding the FTC Report I shared.
Complaint sub-issue: Attempted to collect wrong amount

I settle my bill with XXXX back in XX/XX/XXXX Later I was hit with a collection bill from a company from XXXX XXXX with a Final -bill for {$790.00} I called XXXX to compliant of this bill and was transferred several times to different department with everyone cluesless. I final call the number for XXXX listed on the Final letter XXXX & the number was a non working number. So I disputed with XXXX   and XXXX and they removed the discrepancy. If you call that number for XXXX XXXX XXXX is now says XXXX. I check my credit report a few months later XX/XX/XXXX and found out that XXXX had another collection agency Name now XXXX XXXX and this time they put the collection amount for {$1600.00} I have always paid my bill from XXXX and that is very disloyal of them to keep make up this statement after the fact with 2 different collection agency and 2 collection amounts XXXX   removed the AFNI From my XXXX   on XX/XX/XXXX and the rep told me they ask AFNI To remove from AFNI/XXXX -AFNI/XXXX Just place back on XXXX as of XX/XX/XXXX Please help me with this company! Attached is supporting documents Thanks XXXX XXXX