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

My student loan service provider is MOHELA. They have managed my account since XXXX. I don't recall who was managing my account prior to XXXX. I am currently enrolled in the XXXX program. I graduated from XXXX in XXXX. I graduated from grad school in XXXX. At some point after grad school, before XXXX, I consolidated my XXXX and grad federal loans into XXXX balance. I have been making student loan payments since XXXX, with some forbearance pauses due to periodic unemployment. 

I have been trying, for the last 7 months, to get an accurate list of all the payments I have made on my student loans since XXXX. I have called and written MOHELA at least a half dozen times to get this information but when they eventually provide it, they are only able to provide information dating back to XXXX, when they took over my account. It appears they may have no records of my student loan payments prior to their taking over my loan ( which I had no control over ). 

I tried calling the US Department of Education after not getting satisfactory answers from MOHELA. They simply sent me back to MOHELA. I am very concerned that records have been lost of my payments and that I may qualify for loan forgiveness under the income-based borrower programs but may have that forgiveness unnecessarily lengthened due to lost / incomplete records.

Please, can you help me get the information I am looking for?
Complaint sub-issue: Personal information

I submitted a compliant to the XXXX, Equifax and XXXX Bureau regarding the different variation of my name, old phone numbers, old addresses and old employer removed from my credit report. However they have added old address to my report. My request was received by the bureau on XX/XX/XXXX & XX/XX/XXXX, I also submitted prove of my address and legal name and they have not removed the variations of my name, the old address or old employer from my report. I have attached my SSN proof of my address and phone number.
Complaint sub-issue: Old information reappears or never goes away

XXXX, XXXX  and equifax all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had no dealings with this company ... there are inquiries that were not authorized.
Complaint sub-issue: Account information incorrect

My credit card company, XXXX XXXX XXXX, updated my payment status from XX/XX/2017 for my credit card account. It should now reflect that the payment for that month was never late, however, it is showing that this account was late during that time frame on my XXXX and Equifax reports. I have attached the letter received from XXXX XXXX stating that they have requested that this information be updated.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 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: Information belongs to someone else

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX XXXX XXXXXXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Information belongs to someone else

The following shows several accounts that's been opened under my name and social security number as a result a fraud! XXXX  have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition  : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Complaint sub-issue: Account status incorrect

My first government student loans were issued through FedLoan on XX/XX/XXXX. One in the amount of {$2000.00} and the other for {$2200.00}. My student loans had been requested to be placed on deferment. I have XXXX as my next loan officer on file because I was in and out of college not knowing what I wanted to do like so many other students. My XXXX  reports shows the loan for {$2200.00} reported twice which is incorrect. The same loan states the account was paid satisfactorily. The terms for the loan are listed as unknown, and there is no data for my monthly payment, past due amount, or balance and only shows data for XX/XX/XXXX and XX/XX/XXXX, but nothing prior and nothing after. The same account for XXXX  shows closed, paid 180 due days or more with terms of 240 months, but has no data for my past due amount or monthly payment and there shows no history of the loan until XX/XX/XXXX and XX/XX/XXXX, then XX/XX/XXXX there is no data, then from XXXX XXXX it shows delinquent and for XX/XX/XXXX-XX/XX/XXXX it shows paid. There is not history from XX/XX/XXXX-XX/XX/XXXX and the same account is listed twice with different information on my credit report. The same goes for my second loan of the {$2000.00} where the information has no history or previous monthly payment or information on past due payment. The accounts were always on deferment because of my financial situation or deferment because I was in and out of school. So while I was in school it was in school deferment and when out it was for financial reasons. All of which FedLoan new about and acknowledges. My XXXX report shows the {$2200.00} loan as opened in XX/XX/XXXX and not XX/XX/XXXX like XXXX. It shows {$0.00} balance, paid as agreed, monthly {$0.00}, past due {$0.00}, compared to Data with XXXX  report. There is no data of payment history until XXXX XX/XX/XXXX where it states paid on time, for XX/XX/XXXX and XX/XX/XXXX shows late marks, and then paid XX/XX/XXXX-XX/XX/XXXX for an account that shows {$0.00} past due and that it was paid as agreed which was at a deferred payment of {$0.00} which reflects the monthly due amount on the report. The loan for {$2000.00} shows opened on XX/XX/XXXX but they were both opened together with this one reporting that my monthly payment was {$0.00} and and no data of past due and states the account was paid as agreed but doesnt show any history until XX/XX/XXXX-XX/XX/XXXX where it shows paid on time and XX/XX/XXXX-XX/XX/XXXX where it shows delinquent remarks then a period of no data reported untilXX/XX/XXXX-XX/XX/XXXX where it shows paid on time. And one of the accounts is being reported still in XXXX from fedloan when I had consolidated my loans over a year ago with XXXX. They should no longer be reporting on my loans.The same goes for XXXX as far is inconsistent and wrong information on my fed loan student loans. I have been disputing this forever and they have not removed them from my reports. As you can see they all reflect the wrong information in one way or the other or no information at all to show any delinquency.i would like for them to be removed from my credit reports
Complaint sub-issue: Was not notified of investigation status or results

There are UNAUTHORIZED inquiries on my credit report that must removed as soon as possible.
Complaint sub-issue: Contacted your employer

XX/XX/XXXX Attempted contact via employer XX/XX/XXXX Call and informed not to contact at work that it is not permitted by employer to receive personal and other non-work related calls XX/XX/XXXX Attempted contact via employer despite instruction not to contact me at work
Complaint sub-issue: Investigation took more than 30 days

Asked for verification of debt sent two letters with no response twice over 30 days. I have verification from recieve receipts from USPS -Reporting Act 611 ( a ) ( XXXX ) and Section609 ( a ) ( 1 ) ( A ) -Please be advised that under Section 611 ( 5 ) ( A ) ( 7 ) of the FCRA you are required to DELETE all information that can not be verified
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft through a data breach at XXXX XXXX XXXX. The accounts I have identified and notified Law Enforcement of on my credit report are truly fraudulent, I XXXX XXXX, do not relate to any of these transactions that were made or were applied for and resulted in hurting my credit score which I highly value. Despite prior disputes XXXX has not blocked, removed, updated or deleted this information pursuant to section FCRA sec 605B and 15 Code Section 1681, once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. These are the accountsIve identified as fraudulent to law enforcement : US Dept of Education : 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: Credit inquiries on your report that you don't recognize

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. I also contacted the CREDITOR and they have no such records of am inquire made with the company. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX, XXXX-XXXX  XXXX  XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Complaint sub-issue: Reporting company used your report improperly

I received a voice message from XXXX XXXX XXXX XXXX claiming to be from Loan Me, a company in California that makes personal loans. The caller claimed that I applied for a loan. I did not apply for a loan with this company and I want any report of a loan application to be removed from my credit report. This is a scam.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

Please remove these inquires from my credit report.
Complaint sub-issue: Debt was result of identity theft

Contacted XXXX in XXXX of 2020 to notify them of the fraudulent account, this account was not opened or authorized by myself. Account is being reported as closed but charged off with a balance that is over due and late. As of today XXXX continues to report this negative and inaccurate information to my personal credit report, damaging my credit and further intensifying the financial burden and stresses as a result of covid - 19. This information was previously disputed by Equifax and removed, yet Equifax continues to allow this inaccurate information to report again without blocking it.
Complaint sub-issue: Their investigation did not fix an error on your report

I have collection accounts on my XXXX credit reports from XXXX XXXX XXXX in which they documented a XXXX late on my credit reports in XX/XX/2021. Only original creditors can report late payments - I have never entered into any agreements with XXXX XXXX systems, therefore they can not report late payments. These late payments caused my score to go down and are negatively impacting my credit. I disputed these accounts with all three CRAs on XX/XX/2021 and all came back as " updated '' with no removal of the late payment documentations. These late payments are fraudulent, erroneous and incorrect information being reported. I request due to these inaccuracies the accounts be permanently removed from all XXXX reports. Accounts are as follows : XXXX, XXXX
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$14000.00} XXXX {$550.00} XXXX {$1900.00} XXXX {$78.00} XXXX {$60000.00}
Complaint sub-issue: Information belongs to someone else

XXXX XXXXfor the amount of XXXX I volunteer to have the car return I was notified by representative at XXXX XXXX that they no longer have the car anymore they recycle the car as in they resold the car so I am not responsible for that debt but yet it is still on my credit report I tried reaching out to XXXX XXXX to discuss I left voice mail and and sent email no reply. Need to be removed. Also I only attended one school and that was XXXX XXXX XXXX XXXX is stating that I attended another school for XXXX University I never attended any Universities only community colleges. And XXXX College I never took out any loans.
Complaint sub-issue: Old information reappears or never goes away

There is an open collections account from CONSUMER ADJUSTMENT that was added to my Equifax credit report on XX/XX/XXXX. This was a credit card account that was closed XXXX days ago on XXXX XXXX, XXXX. This is an attempt to re-age the account and prolong its presence on my credit report. I have disputed and had the account removed from the other 2 credit bureaus, but Equifax refuses to acknowledge the data I have provided in my disputes and reaffirms the fraudulent claims by this unscrupulous debt collector. Even though this account is over the 7.5 years when it should be removed from my report, this collections agency has reported the debt as being opened XXXX. This date is over 7 years after the account was closed and they've simply reported the age as the date they acquired the debt. 

I previously disputed this account and successfully had it removed from Equifax as well, but this collections company has purchased debt that is older than 7.5 years and has tried to re-age the account to ensure it stays on my report to try and collect debt they bought for pennies on the dollar. Both Equifax and CONSUMER ADJUSTMENT ( XXXX XXXX XXXX XXXX - Original creditor ) are in violation of The Fair Credit Billing Act ( FCBA ). I have disputed this account multiple times and have tried to contact the original creditor and collections company to no avail.
Complaint sub-issue: Information belongs to someone else

Hello, I recently applied for a credit card and was denied due to the reason that there was an open account with XXXX XXXX department store with a delinquent status on my report. I have never applied for nor am I on any account associated with XXXX XXXX. I believe that this information was falsely reported under my credit report because my mother and I share the same name and at one point the same address. She in fact does have an account with XXXX XXXX. I'm requesting that this wrongly reported account be removed from my credit profile. It is negatively impacting me and I have no affiliation with this account.
Complaint sub-issue: Received bad information about your loan

The federal Stafford loan from XXXX XXXX  in XXXX XXXX in XXXX was approved for XXXX  Discharge on XX/XX/XXXX. The loan was then monitored for 3 years for continued XXXX. I met the 3-year period for XXXX XXXX XXXX XXXX. As of XX/XX/XXXX, the U.S. Department of Education and its loan servicer, Nelnet, noted that the loan was officially discharged and would not be subject to any further monitoring. Nelnet stated by letter that this loan would be reported as DISCHARGED. The loan was officially discharged more than 3 years ago. XXXX refused to note the correct status as discharged. XXXX  changed the status of the loan to PAST DUE with terms. The loan was never past due or late. The correct status is DISCHARGED. All of the other credit reporting agencies have removed the loan from their respective credit reports and they also do not post disconnected phone numbers and other inaccurate information. I am covered under the XXXX  XXXX  XXXX  XXXX  regarding unfair business practices and violations of the Fair Credit Reporting Act.
Complaint sub-issue: Trouble with how payments are being handled

The federal government recently announced a student loan relief plan with a term that stated any payment made during the pandemic could be refunded, My servicer ( Great Lakes ) rejected a refund request for loan payments made during the pandemic pause. They cited a 3rd party consolidation as the reason for the rejection. I am a Pell Grant recipient and the department 's recent guidance on refunds does not state a specific payment party as a requirement for refund eligibility nor does it exempt payments due to a refinance. According to XXXX " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. '' Part of my payments during the pandemic were made by a 3rd party refinance not a consolidation. According to the policy stated, I should be granted a refund.
Complaint sub-issue: Don't want a card provided by your employer or the government

On XX/XX/XXXX, I ordered a direct express paycard by calling the social security administration and was told it would arrive in 15 business days which would be XX/XX/XXXX. 
I never received the card and called to cancel the request and was told they have no record of it and I was told to call the card company directly who directed me to the U.S.Treasury department who had no record of my order for my XXXX benefits to be direct deposited to the card monthly. 
I randomly call the SSA to make sure that my bank account number hadn't been swapped with the benefit card that I ordered but never received and have since attempted to cancel though they have no way to cancel but show that there is no card number that took over my social security number payroll deduction XXXX account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account mutiple times do to fraud I have sent my FTC affidavit form in and still the credit breau have not removed the accounts thats fraud they told me to send in my FTC form and I did and still havent remove it
Complaint sub-issue: Funds not handled or disbursed as instructed

I started my US bank business account XXXX routing # XXXX XX/XX/2013! I was only able to use my account for a couple months because of the fraudulent accounts being used! Someone took account information of mine and fraudulently moved my account to routing # XXXX and fraudulently opened XXXX and account XXXX routing # XXXX and account XXXX routing numbers XXXX and routing # XXXX which is a different state! I was recently informed every account is still open and under my information but these local US bank managers XXXX XXXX and others have fraudulently kept me out of my account and funds since i opened my account! I started XXXX XX/XX/2013 and linked it to my US account XXXX routing number XXXX and have not been able to use my funds since XX/XX/2013! Now my square account XXXX is showing as a US bank federal account! It is a shorter version of my XXXX that i have never been able to use because of the fraud going on!
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2019, I submitted a dispute with Equifax. There are three creditors currently reporting late payments. The investigation has not been completed, as of XX/XX/2019. I spoke to XXXX at XXXX. I explained to XXXX that I am aware of the law and he acknowledged. The creditor has exhausted their time to investigate and respond to the dispute. XXXX refused to update the credit file by removing the incorrect information. XXXX acknowledged we are on a recorded line. XXXX has confirmed creditor states there are no late payments. I'm inputting this complaint with him on the phone. XXXX also stated no one will be able to update file and told me to contact the creditor. I've been on the line with XXXX now XXXX hour XXXX minutes. The time is XXXX central time. 

I am requesting these entries be removed and an updated copy of my credit file be forwarded to me via U S mail.
Complaint sub-issue: Don't agree with fees charged

I attended XXXX University from XXXX as an XXXX. I was under the impression that my student loans were federally owned. After I graduated, it came to my attention that a portion of the loan was owned by National Collegiate Trust. I had not made any payments between XXXX and XXXX, and the loan was in danger of default. I began making regular payments and have done so, in full and every month since late XXXX-early XXXX. Unfortunately, not only has the loan balance not decreased, it has increased. According to my most recent statement, the original principal loan amounts were for {$4200.00} and {$120000.00}. I have paid {$2100.00} and {$10000.00} in interest, respectively. Yes, it seems that the interest amount is nearly the same amount of the loan. Only {$1700.00} and {$3900.00} have been applied to the loan principal. As of XXXX/XXXX/XXXX, I still owe a balance of {$4300.00} and {$15000.00}. In sum, the original loan was for {$16000.00}. I have paid an aggregate amount of {$18000.00}. I still owe {$19000.00}. After 8 years of consistent payments, how is it possible that I still owe more than the original loan balance? What kind of interest rate gauging and manipulation is in practice in order for this to happen? How is it possible to be charged nearly 100 % interest for a loan?