Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

I am a military member in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have GATE loans with AES/PHEAA as the servicing agency and XXXX XXXX XXXX XXXX XXXX as the lender. The XXXX paid {$5200.00} towards my Gate loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. I still have four more years of those payments plus one additional year of partial payment of approximately {$2500.00}. 

I have been trying unsuccessfully to change my payment terms to interest only where there is a monthly interest payment. I WILL PAY THE INTEREST MONTHLY. Then once a year in the fall ( FOR 5 MORE YEARS ), the XXXX will make their government principal payment towards my loans. 

The reason for this is so that I do not have to pay back money that the XXXX will be paying on my behalf. AES has stated that XXXX XXXX XXXX XXXX XXXX have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. I am an XXXX Veteran who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money. 

I have attached proof from the last two years of the government payment. I also have attached my contract for Student Loan Repayment Program.
Complaint sub-issue: Report improperly shared by CRC

ON XXXX XXXX, 2016, XXXX alerted me that applications had been made with my social security number. XXXX/XXXX/16, XXXX/XXXX/16 -- -There were XXXX applications made, my FICO took a dump from XXXX to XXXX, then to XXXX ... I was FURIOUS. 
I 'M A XXXX with 28 years in XXXX. I understand the mechanics of credit. 
I FROZE ALL MY CREDIT ON XXXX XXXX, 2016. I put a consumer alert and a 90-day alert, while I was getting the police report filed. 
I was promised that NO CREDIT would be issued under a freeze. I was promised that creditors wo n't issue credit with consumer alerts .... I 'M IN THE THROES of this and I 've gone from shock to absolute anger. I 'm a very aware woman and quite capable of figuring out systems quickly. What I 've been seeing are " holes '' for prevention to be penetrated. From start to finish, I 've handled all aspects of proactive actions to restore my credit. I was fearful to trust others ' since I noticed they took action about 2 weeks after I had already contacted : 1. I contacted all creditors of fraud day 3-5, insisting they immediately contact credit reporting agencies and remove promptly ( all info I received from XXXX ). 
2. I froze all my credit day 3 from fraud initiated. 
3. I put 90 day alerts plus consumer alerts day 3 from fraud alert 4. Police reports within 5 days 5. I now discovered that New Account -- -XXXX reported a new account on your EQUIFAX Credit Report. They had a {$120.00} FEE that went to my reports. All XXXX of them. This company is fraudulent in actions. The credit agencies? My credits frozen and this account was NOT APPROVED PRIOR TO. 

I 'm very aggressive at this time since I 'm tired of paying people to protect me and they do n't. System failure is running rampant. I am a XXXX and highly trained in XXXX. 

Again, the name of the applicant is not my name w/my social. Red flag for the creditor? Or, they just have blinders on or asleep at the wheel? 
I was notified on XXXX XXXX, 2016 of a new account from Equifax! 
I railed the creditor! On XXXX/XXXX/16, the XXXX other agencies reported new credit with a {$120.00} fee ( the creditors fee )! 

I called the creditor and expressed the " illegal '' aspects of this. I said, " get this off my report, now! '' Additionally, all XXXX agencies are reporting with a FREEZE and consumer alerts on my account. The credit card was in the name of " XXXX XXXX. '' My name is XXXX XXXX XXXX and my social is not tied to his name. I 'm sick of this carelessness, the credit reporting agencies and their reporting, but NO INVOLVEMENT. They should not have this type of power and be unaware. No.
Complaint sub-issue: Report provided to employer without your written authorization

After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I OPENED A PNC ACCOUNT THEN PNC BLOCKED MY THAT CREDIT CARD ON XX/XX/2017 I WENT TO THE XXXX XXXX BRANCH AND SPOKE TO XXXX AND SUBMITTED THE XXXX FORM FOR THE IRS AND MY ID THEN THE NEXT DAY I CALLED THE CUSTOMER SERVICE NUMBER TO DISPUTE THE CHARGES SINCE WE NEVER USED THIS ACCOUNT AND I SPOKE TO XXXX XXXX WHO REFUSED UNDER THE FCBA TPO DISPUTE ALL THE CHARGES SINCE WE NEVER USED THIS ACCOUNT SHE REFUSED SAYING NOT TILL THEY GET THE CORRECT DOCUMENT I SENT THE XXXX AND THEY REFUSED TO ACCEPT IT SO I DONT KNOW WHAT ELSE TO DO SINCE THERE REFUSING TO EVEN TAKE MY DISPUTE FOR THE FRAUD CHARGES ENCLOSED IS THE IRS FORM THAT I SENT AND THIS IS CORRECT DIRECT FROM THE IRS BUT THIS SHOULD HAVE NOTHING TO DO WITH ME FILING A DISPUTE AND THEY REFUSING TO FILE ONE
Complaint sub-issue: Reporting company used your report improperly

I am impacted by the Equifax data breach. I'm a victim of cyber theft due to Equifax 's negligence and failure to protect my private and person information. Equifax has failed to keep myself and many others informed of the data breach when they learned it had taken place initially. They chose not to react accordingly. This a serious matter and Equifax needs to be held accountable for the breach of my data. The dates of the breach that I was informed of two days ago started back in XXXX XXXX XXXX. The courts have ruled in the favor of us impacted victims and have awarded Equifax to pay us victims what we are owed. I have yet to receive any monies nor did Equifax issue me an apology. I have filed an incident report in regards to the cyber theft that has impacted me, printed out a copy of all my credit reports and have put a security freeze on several companies who have my personal information on file. I have read hours and hours on this Equifax data breach settlement to understand my rights and what I need to submit to Equifax. This is a scary position to be in knowing that folks have access to your private and personal information.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX acct number XXXX states that I owe them {$1300.00} I dont know what this is please have them remove it.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Complaint sub-issue: Problem with statement of dispute

On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted XXXX XXXX who removed them all which raised my score and reduced my number of inquiries. I contacted Equifax and they said they are factual. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person credit.
Complaint sub-issue: Investigation took more than 30 days

on XXXX I sent dispute letters to XXXX, XXXX, and Equifax to dispute regarding fraud accounts and inaccurate reporting and its been more than 30 days and they have not showed verified proof or removed accounts thats against the law. 
FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these fraud accounts below must be removed within 4 Business Days of receipt. and they weren't 1.XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) 2..XXXX XXXX XXXX 3. XXXX 4. XXXX inquiry on XX/XX/XXXX 5XXXX XXXX inquiry onXX/XX/XXXX 6.XX/XX/XXXXinquiry on XX/XX/XXXX 7. XXXX XXXX XXXX inquiry on XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX XX/XX/XXXXon XX/XX/XXXX 9.XX/XX/XXXXXXXX XXXX inquiry on XX/XX/XXXX 10. XX/XX/XXXXXX/XX/XXXX inquiry on XX/XX/XXXX 11. XXXX XXXX XXXX on XX/XX/XXXX also they are reporting inaccurate late payments for these accounts below 1. XXXX Balance : {$4000.00} 2. XXXX Balance : {$10000.00} 3. XXXX Balance:XXXX 4. XXXX Balance : {$4900.00} All XXXX fed loan accounts listed above are reporting late for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
5. XXXX XXXX Is reporting XXXX late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES...

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. and also violating law 15 U.S. Code 1681
Complaint sub-issue: Problem with personal statement of dispute

I am a XXXX XXXX ( XXXX  ) that was affected by the government shutdown from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I  contacted my mortgage company, GMFS servicing loans to inquire about any forbearance options that they may be offering federal employees because I didn't have the resources at that time to pay XXXX mortgage. I figured that I was still within 30 days before any negative reporting to the credit bureau so let me call to see what options I may have. The representative informed me that they are offering a 3 month payment plan for XXXX XXXX. She went on to inform me that due to it being a Friday, my forbearance would be processed on XX/XX/XXXX. So on XX/XX/XXXX the mortgage company called me seeking payment. I explained to him that I should be in forbearance. He looked through the system and confirmed that he saw that I was in forbearance. On XX/XX/XXXX XXXX  's delinquency hit my credit report. At this point I am livid because I spoke with two reps who assured me that I was in forbearance until the end of XX/XX/XXXX. So I called GMFS on XX/XX/XXXX and the case worker stated " Oh yea you need to write us a letter indicating the amount that you agree to pay and sign and date it ''. This was the first time I ever heard of that. Had the representative on XX/XX/XXXX and XX/XX/XXXX informed me of this, I would have taken care of that. To summarize my issue, there were several occasions that the company failed to provide accurate information. The information provided was misleading and misinforming, but I am the only one that is being affected by their errors. I contacted GMFS escalation dept. on XX/XX/XXXX and explained the issue. He stated that he will pull the call and if the rep did provide inaccurate information he will have the negative credit reporting reversed. He informed me that he would contact me within 48 business hours. It is now about 55 business hours and I still haven't received a call. If you are able to review my credit reports you can see that this is the only company I have had issues with. I have a car loan, unsecured loan, student loans, and several credit cards and none of these accounts have ever reported me as being late/delinquent. Prior to this issue, my credit score was around XXXX. Since then it has dropped to XXXX. I am requesting that the XXXX delinquency be reversed and any months following until the forbearance/90 day payment plan is over.
Complaint sub-issue: Information belongs to someone else

XXXX HAS FAILED TO TAKE OFF ACCOUNT ON MY CONSUMER REPORT. THE ACCOUNT NUMBER IS XXXX ON MY XXXX REPORT, XXXX, EQUIFAX. HOWEVER XXXX BANK HAS SENT AN EMAIL STATING THIS IS NOT SUPPOSE TO REPORT TO MY CREDIT FILE AND WILL SEND PROOF OF EMAIL FROM THEM
Complaint sub-issue: Information is not mine

My identical twin is listed on my credit report as an alias or other name. We have the same first XXXX letters of our names and the same last name as well as the same birthday. I understand the confusion howecer I am XXXX and she is XXXX. Her stuff is showing up on my report as im sure mine is on hers. This needs to stop. We are XXXX seperate people who need XXXX seperate reports. I do not know how to fix this.
Complaint sub-issue: Trouble getting a working replacement card

I lost my us bank Relias card. I called and notified them. they told me to send in a copy of my id and which I did. and now they tell me that they cant issue me a new card. I have XXXX dollars on the card that had been canceled. I need my money asap I have bills to pay. altogether it has been four week since I contact them for the first time and still have not got response.
Complaint sub-issue: Trouble getting, activating, or registering a card

So I filed for unemployment back on XX/XX/2020 and was APPROVED. The sent my my UI pin and I elected to get a prepaid debit card. I was advised mailing takes approximately 7-10 Buisness days. Its now XX/XX/2020 and I still have no prepaid card. I have not been able to get in touch with anyone not at the unemployment office nor at the US Bank Relia Card Holder services. Yesterday I was holding for over 3 hours. This morning I was holding for over an hour before we gave up and contacted you guys. Now mind you we have been trying to contact the offices for weeks now in reference to the card and nothing works. I have been unsuccessful. I have had an entire agent from the Unemployment office email me directly asking questions pertaining to my unemployment insurance basically hounding me about my unemployment and over a couple of days going back and forth and making sure I answer all of his questions, I asked him the question about my pre paid bank card and why I havent received it and was there a way I can file with them a lost and or stolen debit card and he never responded and that was less then a week ago. I lost my UI pin and requested a new one and nothing happened with that either. We are about 6 weeks in and I need to pay my bills including rent for my family of 3 and still nothing has been done!
Complaint sub-issue: Don't agree with the fees charged

My loan is at a fixed interest rate of 4.29 % for a total loan amount of {$3100.00}. 

Whenever I pay a payment, accrued interested has been anywhere between 20 % - 65 %. For example, one month I paid XXXX {$37.00} went to the actual loan while XXXX went to interest. Other months I've paid {$50.00} when XXXX went to interest and XXXX went to the actual loan. Every time I go to pay, this is happening. I don't agree with their interest accrued formula and how much they taking for interest. 

When I applied to the school they advertised my fixed rate with no information about this " accrued interest '' Between the school 's false advertising and the lendors interest formula this is a serious scam.
Complaint sub-issue: Account information incorrect

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX
Complaint sub-issue: Debt was paid

I originally closed out XXXX and paid all of my bills plus return the equipment with proof in XX/XX/XXXX. I have names of who I spoke to verifying my account was closed appropriately with no debt owed. On XX/XX/XXXX I received a letter from MRS associates of XXXX XXXX. this letter states I owed {$89.00} to XXXX XXXX. I immediately disputed this in writing and sent a dispute letter certified mail on XX/XX/XXXX ( XXXX ) and confirmed receipt by MRS . I never received any correspondence in return. Today upon checking my mail I  received a collection letter from a XXXX XXXX XXXX XXXX from Georgia. At this point I feel harassed with collections, and have received no response from either XXXX or the original collection agency. The debt is invalid, and I feel victimized having to spend more money to keep sending certified letters on an invalid debt. Also both collection agencies have my name spelled incorrectly, and I will provide it in the contacts so it matches. Please advise if there is anything I can do. Sincerely, XXXX XXXX XXXX XXXX Original Collection : MRS Associates of New Jersey XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Subsequent Collection after failing to hear from my formal dispute as above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reporting 4 unknown/unauthorized inquires on my credit report they know I'm a victim of identity theft and have a fraud alert on their credit file.
Complaint sub-issue: Their investigation did not fix an error on your report

Contacted Equifax at XXXX ( XXXX ) XXXX via phone and was advised by Equifax service representative in order to start the process of restoring positive information that was removed from credit file I would need to complete a dispute letter and attached two additional forms of identification Driver License and Social Security Card. Sent dispute letter via certified mail using form 3811 with return signature. Sent dispute letter on XX/XX/XXXX and letter was received on XX/XX/XXXX and i have enclosed a copy of form 3811. Requesting Equifax to retrieve deleted credit file and restore it back to my credit file. 
XXXX 's account # XXXX opened XX/XX/XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

US Bank took over my State Farm credit card which was XXXX XXXX interest since inception. Earlier this year, they mailed out a letter saying my rate was going up XXXX XXXX due to my credit report and their recent review. 

I complained to State Farm to no avail. Then I called US Bank and spoke with " XXXX XXXX '' by phone in the third week of XX/XX/XXXX. I stated I needed a copy of the letter which I could not locate in my home. It was recently received. In the phone call to this US bank employee, she denied the interest change was specific to my individual credit. She proclaimed all got a recent rise in an interest rate increase. 

I am supplying the letter as documentation that clearly proves the jump in my rate on my card ( as of XX/XX/XXXX ) was due to MY credit score and MY credit review by them. I am also enclosing their second fraudulent solicitation received by me stating any balance transfer I make right now will be at the lower XXXX XXXX rate. This is not true as the boost in rates applies to " all usage '' after XX/XX/XXXX '' as stated in the letter Upon further examination, I see that a prior balance transfer is crediting all my payments towards that transfer first when I have made them. The remaining balance on that XXXX balance transfer is only {$210.00}. This is not what I understood when I took the offer last year. They are prematurely paying off the zero interest balance about XXXX months early and letting interest stack up on all purchase balances. That seems illegal. If not, I am not sure it was disclosed. 

I have quit using the card and it is scheduled for payoff soon. I don't trust US bank after seeing how they market lies across state lines and their staff lies when you call in. They make it difficult to have a trail of correspondence. Only they can message you in their online app. They do not allow me to message them with this complaint of numerous infractions. 
So, since they don't allow written `` trail '' complaints online, I am complaining to you and the Arizona AG office next. Seeing illegal activity as I have found in their operations, what else are they doing illegal?
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX this CFPB complaint to you today as a follow up of the previous CFPB Complaint I submitted to the Credit Reporting Agencies on XX/XX/XXXX. I previously sent a dispute letter addressed to the Credit Reporting Agencies on XX/XX/XXXX, with complete attachments of my personal information as well as the XXXX I received from the FTC, requesting the removal of the disputed accounts and information from my Credit file that are completely unknown to me. I have read that under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove any accounts and information not later than XXXX business days after the date of receipt. Also, in the event that the Credit Bureaus claim that the disputed accounts and information belongs to me, I require the Credit Bureaus to send me copies of proof of verification. I have previously included these items on my first CFPB Complaint and I am including them once again. Please have the following items removed from my Credit File as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX