Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I am trying to apply for another Apartment because where I live is not safe. Someone is using my identity at other addresses and social number. Addresses I never lived or stayed at phone numbers I never used. Jobs I never worked at
Complaint sub-issue: Used obscene, profane, or other abusive language

X/XX/17- I called the ( XXXX ) XXXX number to which it was answered " XXXX XXXX. '' I advised I was calling back to find out about a debt. I spoke with a male ( dont recall him identifying himself by name ). Advised him that I was calling about my debt and wanted to make arrangements. He asked how much I could pay and I said I could pay {$100.00} today and at least {$100.00} a month. Naturally, I advised I would pay more if I could- which I did NOT expect him to take my word for it, but wanted to mention it because I DO want to clear up my debt. He commented " that 's not how it works '' and put me on hold. He said they would not authorize that small of a payment and lectured me on fees and interest. I asked what they would accept and he said {$190.00} and some change with the first payment being in XX/XX/XXXX etc. I asked for it in WRITING and advised I would pay by mail to which he became very unprofessional and said that was not possible. I told him I wanted to make payments but I would not allow them access to my bank account for automatic payments as I 've had a bad experience with this in the past. He refused to send anything by mail- I have NOT received ANYTHING from Practice Financial by mail at all. I can not even find what appears to be the correct company on the internet. I called back and asked for a supervisor who was XXXX ( long last name that I could n't understand ) explained the situation and how unprofessional the first man was and he became just as unprofessional and rude. Again, would not allow by mail payments and questioned my debt paying practices and why I would get this loan if I ca n't pay it etc. I do n't appreciate being badgered. I have worked with the public since I was XXXX and I can not imagine talking to someone the way they talked to me- I was in tears by the end of the phone call. He kept mentioning that if we end the call, the company would litigate against me ... but would not accept my payments by mail ... therefore he was REFUSING to take money to pay on the debt and would not make any options for me to resume paying down my debt and taking care of it. By telling me " if we end this call, we will litigate against you '' I felt I had to stay on the phone and continue being harassed, humiliated, belittled and badgered and I finally could not take the abuse anymore- I ended the call with " See you in court. '' I have EVERY intention of repaying this debt- unfortunately circumstances did prevent me from taking care of it and allowing it to get this far. Everyone has a story, so I 'll save mine. But if I ca n't work with them, how can I repay? Abuse is not ok.
Complaint sub-issue: Account information incorrect

I have had 2 accounts open in my name fraudulently and I addressed the issue with the credit bureaus. Equifax is the only one right now I'm having issues with. They processed my documents that they requested, removed the accounts in XX/XX/XXXX and then re-inserted them on the report this month ( XX/XX/XXXX ). 

This is really putting us in a bad position and I'm hoping that this will help! 

Thank you,
Complaint sub-issue: Information belongs to someone else

I wrote the company and told them this inquiry is not mine and I was a victim of ID theft. They told me to supply a police report, which I did. Once I did they would not accept it because it did not list them as a creditor -- they are NOT a creditor - it's an inquiry I am trying to remove and there is NO PLACE for a CREDITOR on the police report. I told them this is what they asked for and this is what they got. They refuse to proceed further.
Complaint sub-issue: Received bad information about your loan

I filed a complaint regarding some of these issues on XX/XX/19. I finally received a response on XX/XX/19. For reference, the complaint number is XXXX. 

In the response, my issues were not addressed. I asked for a review of my account financials as the transfer from XXXX XXXX to FedLoan was clearly and massively disorganized. Instead, they ( not even FedLoan themselves ) simply reviewed communication history and payment history. Secondly, I addressed concerns about requests to remove my paid ahead status not being fulfilled ( as I have received no written confirmation of this ). Instead, they simply explained what paid ahead status means and why it can affect PSLF eligibility of my payments. I already knew this, thats why I have concerns about the paid ahead status not being removed as I have requested. Lastly, I expressed concerns about why I was told you can not merge my two due dates into one without it affecting PSLF eligibility as I had repeatedly been told by FedLoan. However, they took it upon themselves to merge these dates without asking me or confirming that it will not affect PSLF eligibility. It took them nearly two months to give me an inadequate response. Time that has led to further troubles with the company. 

Lastly, since I have filed this complaint, I had to reapply for direct billing. However, after reapplying, FedLoan automatically put me into forbearance for the month of XX/XX/2019 (  against any wishes or requests of my own ). When I called to ask about this, they mentioned that this is standard practice due to delays in direct billing. This is highly unethical practice. They should notify borrowers to say they need to make a manual payment for the affected months. As a result of this, I received a highly stress-inducing letter regarding interest capitalization on my account ( totaling {$5000.00} ) that needed to be paid before the end of the month or it would be added to my balance. When you sign of for auto pay for any other service they give you notifications that it would apply to the next billing cycle and that a manual payment is required for the current billing cycle. FedLoan just assumes borrowers can not pay and puts them into forbearance which happens to disqualify payments from PSLF. I was able to get the forbearance removed. However, I am sure many borrowers were affected by this and simply did nothing because they didnt understand or had already given up fighting FedLoans XXXX services. This kind of practice ( among many other practices ) warrants a criminal investigation. 

Virtually every mistake FedLoan has made regarding my account has ruined eligibility of my payments for PSLF. At this point, it is not gross incompetence- it is highly intentional sabotaging of borrowers accounts. I am giving FedLoan Servicing one more chance at addressing my concerns before I take them up with a lawyer.
Complaint sub-issue: Debt is not mine

I keep receiving notices from Jefferson Capital Systems for an account I do not own. I have never taken out credit with the original creditor ( XXXX ). Yet this agency continues to harrass me.
Complaint sub-issue: Didn't receive notice of right to dispute

I entered into a payment agreement with Alliance CAS for XXXX HOA collection fees on XX/XX/XXXX. I received one invoice dated dated XX/XX/XXXX, with a balance of {$1000.00}. At the time of the agreement, XXXX HOA fees had not been assessed, and were not due. Therefore, were not part of my payment plan. On XX/XX/XXXX, the XXXX XXXX XXXX held a meeting to assess XXXX fees, and vote. On XXXX I called XXXX XXXX to inquire about my coupon book. I was told that I was to pay through Alliance CAS. I stated to XXXX XXXX XXXX president, that I had not received an invoice, coupon, or any type of notice for payment. I advised I would pay through XXXX XXXX XXXX as I had with my XXXX dues, that I only owed Alliance CAS collection fees, I had paid all assessment fees, and lien fees directly to XXXX XXXX XXXX via XXXX XXXX XXXX. On XXXX, I received an email from XXXX stating I owed a late fee, and the full amount of {$390.00} for XXXX. However, I had not received a notice and asked her to remove late fee, and to break my payment into two payments as the other residents were afforded. She did not respond to my email. Instead ... sent me a certified letter of the late fee due. Please see attachment. You will see I have made my payments per the XX/XX/XXXX agreement, and only invoice received on XX/XX/XXXX. On XX/XX/XXXX, {$190.00} was due ; however, I didn't received coupon book for XXXX XXXX XXXX, and {$190.00} is due XX/XX/XXXX. I emailed XXXX twice, and she has yet to respond to resolve this issue.
Complaint sub-issue: Information is not mine

I have contacted Equifax several times in regards to Inquires and accounts that are not mine due to identity theft. I have mailed XXXX identity theft affidavits to the company and there are items that they have failed to remove.
Complaint sub-issue: Their investigation did not fix an error on your report

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it  this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX  XXXX   XXXX, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for XXXX XXXX  XXXX asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} XXXX  XXXX {$270.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$43.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Complaint sub-issue: Don't agree with the fees charged

In XX/XX/XXXX I started to attend XXXX XXXX in XXXX XXXX. I completed a 2 year program. They charged a very high tuition for those two years. Also every government dispersment of money went all to them. I never saw a penny. I never got a job that I could pay those loans back either. 

I have 2 loans from that school. 
Direct Sub Consolidation Loan Deferment {$12000.00} Direct Unsub Consolidation Ln Deferment {$16000.00} ( XX/XX/XXXX) They are in Deferment because I paid XXXX lump sum. so to do that so I could help my credit and go back to school in XX/XX/XXXX. 

Now I am attending XXXX XXXX XXXX at XXXX XXXX. I took out loans but they will total less than half of what I paid at XXXX XXXX and I will pay them back as I this school has already benefited me financially. Also the caliber of education at XXXX vs XXXX XXXX is a lot different. 

I feel that I should have to pay something for going to XXXX XXXX but definitely not whats left. I was young ( and poor ) and had no idea that XXXX XXXX was preying on peoples hopes just so XXXX could get Federal money. 

For profit schools are very bad for students it seems.
Complaint sub-issue: Information belongs to someone else

Rise is reporting identity theft and fraud. Additionally I filed bankruptcy before this fraudulent account was even reported and Im being hit with a double sword. Reporting of identity theft as well as reporting and updating after bankruptcy. Ive contacted the company. I have provided all documents. They havent removed. Instead they continue to ask for different items to delay action. I submitted the ID theft Affidavit. They wanted the email showing it was submitted online. I submitted police report. They wanted the police to name them specifically. Police here dont do that. They wanted ID copy. I submitted Military ID and they refused to accept it and wanted a state ID not a federal one. Everything is games and avoidance while damaging my credit and name.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate as unknown things on my credit report. To this day, over 39 days later, I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 39 days so they should be promptly deleted. I demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED.
Complaint sub-issue: Problem using a debit or ATM card

I found Fraud and included the pending issues : XXXX XXXX  XX/XX/16 {$150.00} ; XXXX XXXX XXXX   XX/XX/16 {$56.00} ; XXXX XX/XX/16 {$6.00} ; XXXX XX/XX/16 {$43.00} ; XXXX XX/XX/16 {$41.00} ; XXXX XX/XX/16 {$17.00} ; XXXX XX/XX/16 {$36.00} ; XXXX XX/XX/16 {$64.00} ; XXXX XX/XX/16 {$18.00} ; XXXX XX/XX/16 {$40.00} ; XXXX XX/XX/16 {$150.00} ; XXXX XX/XX/16 {$43.00} ; XXXX XXXX XX/XX/16 {$25.00} ( this already given and below ) ; XXXX XXXX XXXX  {$35.00} ; XXXX XXXX {$140.00} ; XXXX {$23.00} and XXXX XXXX XXXX {$26.00}. Total : {$920.00}
Complaint sub-issue: Account information incorrect

Hello. I am writing in reference to incorrect information placed on my credit report. My name is XXXX XXXX, Social Security Number XXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The information placed on my credit report is in reference to a medical bill, for {$150.00}, by XXXX XXXX, titled XXXX, dated that it was opened " XXXX XXXX, XXXX ''. There is no account number presented on my credit report, nor is there any contact information for the hospital. The hospital is located in Maryland. This medical bill/account does not belong to me. I did not receive any medical service from this hospital during that time period. I have been living in XXXX XXXX, CA for the past 4 years, in which my credit report also shows my address as being in California. I disputed this information to all 3 credit agencies and XXXX and XXXX both found that there was not enough evidence to prove that the account belongs to me, therefore, they removed it within 2 weeks of my dispute. However, I have made the same dispute to Equifax, twice, and they still refused to have it removed, even after I called to ask them what proof was presented to prove that the bill belonged to me. The representative could not explain, just stating that the hospital had my name and date of birth. I then replied that they may have that in their database as they do with anyone who may have visited the hospital in the past. I have not visited that hospital in over 4 years. I have no other " negative '' nor derogatory information on my credit report besides this one hospital bill, which I know is clearly a mistake on their behalf. Also, I had never received a letter from them. I also contacted the hospital to dispute the charge and they told me to write them a letter to dispute and stated that there is nothing can do because they " sold '' the account to a collection agency. I asked what she meant by sold, she refused to answer. I asked her how could they sell someone 's personal information and do not have the proof needed to prove that they have the correct person. I stated to her that people use others information to receive medical treatment. She then stated again that I would have to contact the collection agency or credit agency. I wrote the letter and faxed it over and then was told two weeks later, when I called back to follow up, that they never received it. A different representative then stated that I needed to go through the collection agency or credit bureau because it is out their hands. I am requesting that this information please be removed from my credit report as it does not belong to me. And again, this is the only derogatory information on my credit report, which has caused a decrease in my credit score. Thank you so very much for your time and I look forward to hearing back from you soon. 

XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

I have disputed XXXX on my report several times. The account are old, closed, and have been transferred to another lender. They are reporting the old late payments on the account as well as reporting current and {$0.00} owed. I have requested and disputed the be removed as the new servicer shows the exact same information and the refuse to remove it. It is causing undue hardship as I am trying to build my credit and eventually purchase my first home. I feel it is unfair for two companies to be reporting the same account one as closed the other as an open account.
Complaint sub-issue: Cashing a check

I believe the one check was deposited/ cashed 2 times. I have called ally bank in excess of 40 times to solve the issue. None of the customer service people can help. They transfer me to the wrong department or disconnected the call to date I have spent 36 hours trying to in touch with them.
Complaint sub-issue: Information is not mine

Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX , Equifax and   XXXX   that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     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
Complaint sub-issue: Account status

I am so stress out, I spoke to supervisor XXXX and she would not help me. I told XXXX never file a dispute because I will change my score. I ask them to cancel it. I finally see the update on the cancel account from Equifax and they change the comments to collection and the took off the payment history making sure there is no way for the anyone pulling my credit to know what really happen to my account. This account was pay off in XXXX. And there is payment history to show that. That trying to blame XXXX when I simply ask them to put the account back to the way it was before the did the dispute. Because they did it this way my score wo n't go back to the XXXX before they did a dispute. Now it is staying a XXXX and they said they ca n't do nothing now I have to talk to XXXX even thought the changes they made was done by Equifax not XXXX. I believe they are punishing me for complaining about them. I also told them I can send you the account before you Equifax changed it so they can put it back the same way it was and they said it do n't matter. We do n't have to report a payment history. I ca n't believe they have to power to make changes that will hurt me when they could just change back to what it was before they did this. Please help me Equifax is treating me unfair. I attached the account before Equifax did a dispute I it had a payment history, and different comment and my score never when back to the way it was. Equifax is violating my credit report causing me not to get funding. Accounts history is very important for a lender to know. Something that happen 4 years ago is not going to be to same as something that happen 1 year ago. The way Equifax changed it there is no way for the lender to know. Equifax clearly knows this so why would they aloud this account to be reported this way. If it did not make a differents then way my score did not change back the way it was. This was no other changes on my credit report but that account. Before dispute reported date say XXXX/XXXX/XXXX, they new way they reporting account XXXX/XXXX/XXXX. The comments are different and one had history. Everybody knows payment history is how your account gets judged. There is none. It just say collection and that is it.
Complaint sub-issue: Debt was paid

I canceled my XXXX service in XXXX of XXXX. They indicated to me that it would take several weeks for the final bill to be issued. Finally, in XX/XX/XXXX, they issued a billing which included {$250.00} of past-due charges and adding {$240.00} for equipment. However, I was not issued boxes or instructions for returning the equipment. Finally, through a series of frustrating phone calls in the following months, I was provided with information to return the equipment. I have a copy of this return receipt dated XX/XX/XXXX. 

Despite returning the equipment, no adjustments were made to the bill. Therefore, I paid {$110.00} on XX/XX/XXXX, as this was the amount that XXXX indicated to me was needed to reconcile and finalize the account. 

However, this continued to linger. They indicated to me on the phone that it will take a minimum of 45 days for them to update their billing system from the returned equipment. Based on my follow-up calls to XXXX, I confirmed on XX/XX/XXXX, with XXXX at XXXX that the bill had been adjusted, and the balance was now $ XXXX. However, when I requested a paper copy of that, he said that he could not send that out. In addition, he said it was against company policy to provide last names, and they do not have ID numbers for reference of the conversation. 

Beginning XX/XX/XXXX, XXXX, a debt collector, began sending me collection attempts for this erroneous billing. These continued with phone calls, sometimes several times a week. I continued to indicate to them that this was an erroneous bill and indicated that if it was not, they need to demonstrate the line item cost behind the phantom bill and show the adjustment of the returned equipment. Finally, they stopped calling, and they removed it from my credit bureau. Then in XX/XX/XXXX, XXXX  XXXX began calling me with the same abusive tactics. I spent 10+ more hours describing everything to them and reconciling what the corrected amount should be. The representative 's name was XXXX XXXX. She said she would call me back in two weeks, which did not happen. When I returned the call to XXXX  XXXX, they claimed they had no record of the conversation and that their agents can not issue return the calls. Several weeks later, the collection was removed from my credit bureau. 

Last month a 3rd collection agency ( EOS CCA ) began calling me on the same issue. I have mailed out the copies of the payment I made for {$110.00} and highlighted the erroneous charge of {$240.00}. However, this still does not explain why XXXX indicated to me on XX/XX/XXXX, that I had paid everything ( with the return ) in full. When I request that they update their records and show line items of the amount due, they sent a copy of the erroneous bill as of XX/XX/XXXX, with no adjustments/corrections.