Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Cashing a check

For the last several days Ally Bank will not let me access my account they won't give a reason they say call customer service and when I do I get put on hold and they never answer.
Complaint sub-issue: Received bad information about your loan

My total school debt is $ XXXX ; XXXX with XXXX and one or two semesters with XXXX that was not completed due to medical issues. Later found out I had have a XXXX removed from my XXXX. My loans were deferred and forbearance due to hardships. But, I kept up with my servicer until XXXX XXXX sold my loan to XXXX  XXXX. My loans were consolidated under XXXX XXXX. However, XXXX XXXX broke up my loans when it was sold to XXXX  XXXX. At this point, my loans were report as $ XXXX. This amount is incorrect. It appears it is " estimated interested '' already added to my loan. I did not learn of this until some of my loans were reported in default and XXXX XXXX came after me wages by attempting garnishment. I got my lawyer involved and then they agreed to put me in a repayment plan. However, even though I was paying them as agreed XXXX XXXX was still reporting me as default. The rest of my loans were with XXXX in good standing. After the " rehabilitation period '' was over XXXX XXXX sent me to Nelnet. They are charging {$20.00} interest day ; $ XXXX monthly or $ XXXX annually. This is just in interest. My monthly payment is {$690.00}. So that is a total of {$1200.00} per month. I was told an additional 30 % would be added for the life of my debt with Nelnet. There is no way I could ever pay this loan off. I don't make enough to keep up with this outrageous predatory lending tactic towards graduate students. These terms were not agreed upon when I took out my loan or exited my school process. I need help to protect my credit. Interest monthly should never exceed my monthly payment. Nelnet and XXXX XXXX are one in the same. I contacted XXXX XXXX  and it gives me XXXX, as well. I feel trapped and need help fast! Every day is costing me {$20.00}. I want to pay what I owe, not 3x 's plus 30 % " insurance '' for the life of my debt with Nelnet/XXXX. HELP!!!
Complaint sub-issue: Account status incorrect

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I contacted LexisNexis about ( 2 ) Fraudulent Bankruptcies that were showing on my credit report : Case XXXX & Case XXXX I received a letter from LexisNexis that I am attaching to this complaint that they deleted Case XXXX because they had reviewed it and found it to be fraud, but they did not delete XXXX XXXX, and that makes absolutely no sense, so I am not sure if this was a mistake they made and meant to include both but over looked one or accidentally left it off, however they both were fraudulent and both need to be deleted. Both of these bankruptcies were filed in a state I have never lived in EVER and they were both filed within a years time period which violates the law regarding bankruptcy filing time period for a chapter XXXX or any other type bankruptcy for that matter, it is impossible and ca n't happen, so both of these bankruptcies are fraudulent, not just one of them. Both of these bankruptcies also have the same Judges initials on both so again they are both fraudulent and need to be immediately deleted. Also LexisNexis needs to notify the credit bureaus to make them aware that these have been deleted so they can update their records and remove the fraudulent information because all 3 credit bureaus are still showing this fraudulent information. Let me state again that I have never filed any bankruptcy and have never lived in S.C. where these bankruptcies were allegedly filed, so neither of these bankruptcies are mine and I would sincerely appreciate this matter being resolved immediately because this is defamation of character.
See Attachment
Complaint sub-issue: Their investigation did not fix an error on your report

Racial Discrimination Complaint : XXXX XXXX XXXX. 

XXXX, Equifax. & XXXX Violation of Sec. 1681n. Civil liability for willful noncompliance : by not providing or listing to me in their numerous responses the name of the third-party that provided the public records on my credit report listed as a bankruptcy in the responses filed by the credit bureaus and the proof of the verified source that has caused me serious financial harm : 1. XXXX XX/XX/2019 2. Equifax XX/XX/2019 3. XXXXXXXX XX/XX/2019 I am outraged these companies continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 

Based on the fact that I am an XXXX American, as well as the fact that I have provided these companies, Equifax, XXXX, and XXXX with a copy of my driver 's license which represents my race, I believe these companies have targeted me based upon my race as an XXXX American in the manner in which they have failed to provide evidence of who their " Third Party! '' Where in fact these companies have not verified this case with the actual courts based on using my social security number. 

I have asked for the who the third party source over the past 8 months and each company has violated my rights under the Fair Credit Reporting Act
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

XX/XX/XXXX I was contacted at my workplace by a co-worker stating that she received a call from this company stating she was going to be faced with a civil suit in XXXX XXXX XXXX on a legal matter that involved me. She gave them my work number. The company identified themselves as a service that needed to advise me that there was a pending civil suit against me and the male voice then transferred me to a company that announced themselves as XXXX - her name was XXXX. she stated QC Holdings were going to file a civil suit in XXXX XXXX for breach of a contract back on XX/XX/XXXX. I advised I have never heard of QC Holdings Company. I asked that they please not contact me at work and told them that this must be a spam. She then talked over me stating this was the number that was listed on my contract and said other things that I did not catch all of the conversation as I was caught off guard, at work, upset with someone threatening a civil suit for a breach. I verified with her my cell number. I asked what this company was? she then sent me to a gentleman named XXXX. I ended call before he came on. I then received a call on my mobile XXXX. He identified himself. I again asked questions of who they were and why were they calling me. He was very pushy and I asked to please send me proof of the contract that they stated I breached. He said he did not have that info. I finally got out of him it was a check cashing loan place that was stating I had not paid an amount of {$280.00} and the statute of limitations for his client would be running out soon and they needed to collect this. He stated it occurred on XX/XX/XXXX. He identified my last 4 of SS # and my bank name but account number last XXXX was not correct. He also stated the address of the pay day loan company here in XXXX. I had settled with a check cashing company that I used back in XXXX with the address that he stated this took place in XX/XX/XXXX. I settled this debt through the assistance of a credit advisement company that is in here in XXXX Called XXXX XXXX  I told the gentleman this, but he again stated I would be subjected to a civil lawsuit including filing and attorney fees. He stated he would send me a settlement contract via email. Which he did. But the amount of the breach was {$280.00}. the fees and fines made the total to be {$780.00} but he could settle this today for {$440.00}. I advised that I need to see the amount of the contract he kept referring to. He stated he did not have that, but he was sure it was correct as his client would not have sent it to him. I have not signed the agreement and I am seeking help. This company has not provided me anything in writing of the contract they state I breached.
Complaint sub-issue: Didn't receive notice of right to dispute

IC Systems has violated 809 ( a ) of the FDCPA, in that the company identified has failed to provide written notice of alleged debt or the contents surrounding the alleged debt. The alleged debt just showed up on my credit report without prior notice. IC Systems did not attempt to contact me prior to reporting this alleged debt as a collection to the credit bureaus. As of this date, XX/XX/2021, IC Systems has not provided any initial communication in connection with this alleged debt. Furthermore, I have never heard of this company, nor have I engaged in any business with IC Systems. IC Systems is attempting to collect and allege debt in the amount of {$150.00}, as indicated on my credit report. IC Systems NEVER once mailed me any information pertaining to this alleged debt. IC Systems has also violated 15 U.S. Code 1692g pertaining to the validation of debts because, as a consumer, I was never given the opportunity to ask for validation of the debt. In addition, IC Systems is also in violation of the 15 U.S. Code 1692c surrounding communication in connection with debt collection which states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I am insisting that this erroneous information not only be removed from the credit report, but my personal information be expunged from all data systems associated with IC Systems. IC Systems is now in violation of the FDPCA and the U.S. Code, they are subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from IC Systems within 10 days. IC Systems should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present IC Systems with legal inconvenience with the FTC and other state and federal agencies.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. - 30 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Charged too much interest

I have had   a Sears credit card through Citibank during two different time periods. Several years ago I had an issue where I paid the account in full, only to receive a bill for something like {$3.00} in interest a month later, and then fees on top of that when I did n't notice the bill because I thought the account was paid in full. I canceled the card after getting the late fee removed and paying the {$3.00}.
Recently I opened a Sears card again, paid the account in full over the phone and canceled the card, only to receive a bill for {$6.00} in interest a month later, again a bill I did not expect as had canceled the card. A month later they tacked on a whopping service fee and sent it to collections.
This is an unfair billing practice. In this day and age, if a customer calls and asks for the amount due so they can pay the card off in full and close the account, the amount told to the customer should be the final amount due, and there should be no yet undisclosed additional interest added to the bill in the next month, which then trips up the customer and allows Citibank to tack on enormous service fees and send the account to collections to effectively earn an exorbitant additional profit.
Complaint sub-issue: Information belongs to someone else

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent a detailed letter to each of the 3 bureaus, advising them of errors that I wanted them to research. To date, I have yet to receive mail from the bureau. I submitted my dispute through the US mail and I noted on the disputes that I also requested to receive the answers to my disputes through the US Mail. I'm aware that the FTC did allow the bureaus some flexibility at the beginning of the pandemic, but there should not be any reason they can not reply to me regarding my concerns.
Complaint sub-issue: Information belongs to someone else

The credit reports are wrong. I have complained to the FTC and XXXX were suppose to remove the loan from my credit because it is not mine The signature looked like a child signed it because it was printed.
Complaint sub-issue: Personal information incorrect

I am going over my credit files and trying to look into how there are unknown addresses on my file. I am having issues on my job as far as my insurance due to the addresses and zip codes that do not belong to me. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, NV XXXX there are cellphone numbers that do not belong to me either please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.
Complaint sub-issue: Account status incorrect

I have reached out to both XXXX XXXX XXXX XXXX and Equifax to correct the status and reporting history of a previous XXXX account. XXXX is reporting the account as charged off as of XX/XX/16, but is still showing that the money is owed and continuing to report the account as late. I have received documentation from XXXX that the account was indeed charged off on XX/XX/16 and provided this to Equifax. Equifax is stating that when presenting this documentation to XXXX, they are stating that they are allowed to report the status of this account is this manner. The account is causing me to not be able to secure a location for my family to live.
Complaint sub-issue: Account status incorrect

Disputing a auto loan account. I am having an issue with Equifax. I have submitted 3 disputes with them regarding the following account : XXXX XXXX XXXX. It is a paid off car loan. My husband and I are joint on this account. I believe Equifax has corrected and updated my husband XXXX XXXX XXXX credit report but not mine. On my credit file it is supposed to be a CLOSED and PAID account. It was paid off in XXXX  2017 and Equifax keeps saying the dispute is complete but never updates the info. I have not had a problem with XXXX or XXXX. They have updated my credit file to {$0.00} balance-PAID and CLOSED. On my Equifax credit file it is still showing OPEN- {$11000.00} and Equifax will not remove or update it. I contacted the creditor and they updated Equifax with the correction and Equifax had it as $ XXXXPaid and CLOSED for one month and then it changed back to OPEN with a balance. Hopefully you can correct this with Equifax.
Complaint sub-issue: Other problem getting your report or credit score

I`m not sure about exact dates unfortunately but I have tried to contact Equifax many times about this problem. I tried to get a home loan about a year ago, the bank associate printed out my credit report and explained to me that there was an error on my credit report and I couldn't complete the loan without the credit number. 

I then tried to contact Equifax directly and explain the problem, they never once explained to me what was wrong with my credit score and or how to solve it. They would tell me to submit proof of documentation never explaining why they needed it. Then would tell me that it would take about 30 business days to verify it and they would then send me a letter. They sent me a letter that they received it and then that they needed to review the documents. I waited for many weeks in between each interaction and they would just ask for the same documents or and then the other credit reports from XXXX and XXXX and still never explained anything. I`m not sure what to do I'm not sure what is wrong with my credit report and they will tell me nothing.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Information belongs to someone else

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit file that came about due to an alleged identity or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX  XXXX XXXX : {$6100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

On XXXX/XXXX/2017 2 debts were removed from my credit report and on XXXX/XXXX2017 they were put back on my credit report without being notified this is illegal the following accounts are : XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$150.00}
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/XXXX, this collection agency proceeded to try to collect funds that were NOT owed and while the litigation of the case was in process. This has been an ongoing legal issue with original creditor since XXXX. The collection agency failed to provide validation the debt all while knowing this account was going through the litigation process. The counsel for the Apartment complex has been willing to work with my attorneys to resolve this matter and they have agreed to settle this issue. I can not share all of the allegations and filings but I can share the response from their clients general counsel that proves this collection agency is in violation. This collection agency had enough proof to remove this collection while my attorney worked with their clients attorney and refused. They have damaged my credit for over a year and legal proceedings will begin.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly XXXX points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

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

A few months ago Moneylion agreed to update an account as paid and update any negative information on the account due to a mistake. They did give me some of their reward point for the problem. This is where things get interesting. An already paid off loan again shows and unpaid balance which dropped my credit score 50+ point. My car broke down and I needed to fiance a new car. That 50+ decrease in my score put me in a high risk and I am paying 16 percent! For a problem they said they were going to resolve this is completely and totally insane! i'M PAYING {$450.00} A month FOR 75 MONTHS ON A XXXX CAR! I could be driving a XXXX instead of a XXXX for this amount! 
This Moneylion loan was supposed to fix my credit instead if give me a XXXX XXXX and separate me from my hard earned money!. I am not sure that reward point that are going to give me a {$25.00} dollar gift card to XXXX is going to help me!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The hard inquiries on my credit report shouldnt be there do to the fact that I didn't give permission for them to be applied to my credit report
Complaint sub-issue: Information belongs to someone else

I have emailed many times my update FTC identity report you continue too list these 2 medical accounts which is not mine XX/XX/2018 you relisted these accounts on my equifax credit report delete now!!!