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

I keep on receiving a bill of {$2900.00} for late payments from my IDR. Even though my IDR was recalculated on XX/XX/XXXX with a monthly payment of XXXX. The first recalculation of XXXX was dated XXXX XXXX with a monthly of {$980.00}. This first calculation was incorrectly done by fed loan because they used my old tax form of XXXX which I had uploaded in XXXX that stated that I filed jointly with my husband now ex-husband. And it was used to calculate my 1rst IDR request of XXXX even though I had uploaded my current tax form XXXX which indicated that Im head of household and single. The error was made by fed load not by me. All the current files were uploaded to be reviewed by fed loan, and they failed in doing so. 
This is the timeline of dealing with this issue : XXXX I send my IDR re-certification, including current tax information and paystubs XXXX receive the letter of IDR monthly payment  recalculated of {$980.00} XXXX I make several phone calls to Fed Loan, talked to many different agents. Many without giving me a straight answer or not even knowing how to handle the issue. In between these dates I resend the IDR request on XX/XX/XXXX and include again current tax and paystubs XX/XX/XXXX XXXX I receive again the IDR monthly payment recalculated of {$0.00}. 
XXXX-today- they are saying that my account is pass due and now in severe delinquency XXXX- I email Fed loan about issue. 
XXXX- I receive an email response from Fed loan still saying that I need to pay the amount {$2900.00} because they claim that, were unable to receive a legible paystub from you we were unable to calculate your payment off of your paystub.
Complaint sub-issue: Reporting company used your report improperly

I do not recall signing any release of medical records form for anyone to release my information. Health Insurance Portability and Accountability Act of 1996 protects me from having my information released or sold without Consent.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report inXXXX XXXX, XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX believe it was reporting in error.
Complaint sub-issue: Talked to a third party about my debt

Allied Interstate continues to call my personal phone, my place of employment, my co-workers personal phones and my family after I have specifically told them that they can only contact me via US Mail. They have contacted friends on XXXX to obtain my private phone number. I have informed them that I will not speak to them on a recorded line. I have never received anything from them via US Mail. I sent them an email requesting verification of the debt. I have not received verification.
Complaint sub-issue: Account status incorrect

Equifax is playing around with my XXXX XXXX XXXX mortgage account, with the payment history, and still did n't delete the account.
Complaint sub-issue: Didn't receive advertised or promotional terms

I have Discover Credit card for years. They have a price protection plan. in simple terms - if you buy something online and that something is found to be of lesser value within 90 days - one can submit the claim and get the difference amount. I submitted one such claim Claim # XXXX My price protection claim was denied for really weird/unacceptable reason. The XXXX XXXX camera with lens that i bought it - it was found to be cheaper within few days. But still my claims was rejected.
Complaint sub-issue: Their investigation did not fix an error on your report

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had paid off the full balance of my XXXX  XXXX issued through XXXX XXXX   after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact XXXX XXXX but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX, XXXX account partial account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX. XXXX partial  account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX, have all violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

From XXXX - XXXX, I have CONTINUOUSLY BEEN A VICTIM OF IDENTITY THEFT I have reported this to all three Credit bureaus on a number of occasions Equifax XXXX XXXX To date I still have 4 Fraudulent accounts listed on my credit report 1 ) XXXX XXXX 2 ) XXXX XXXX 2 accounts 3 ) XXXX XXXX XXXX In addition, these account and other fraudulent accounts or attempted accounts have created Fraudulent Inquiries which also MUST BE REMOVED 1 ) XXXX XXXX XXXX 2 ) XXXX. ( 2 Inquiries ) 3 ) XXXX XXXX ( 2 Inquiries ) 4 ) XXXX 5 ) XXXX. ( 2 Inquiries ) 6 ) XXXX XXXX 7 ) XXXX. ( 2 Inquiries ) 8 ) XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX  14 ) XXXX XXXX 15 ) XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX 21 ) XXXX XXXX 22 ) XXXX XXXX XXXX XXXX 23 ) XXXX XXXX 24 ) XXXX XXXX. 2 Inquiries ) 25 ) XXXX  XXXX 26 ) XXXX XXXX These fraudulent accounts and inquires are Incorrect and Misleading and by federal law MUST be removed from my credit report immediately
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 i sent dispute letters to all 3 credit bureaus disclosing wrong inaccurate information on my credit report. It has been more than 30 days and the companies have yet to respond to me or correct the incorrect data on my credit report.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX has left a fraudulent Hard Inquiry on my personal file from Citibank XXXX, that I did not authorize nor do I have any accounts or relationships with, I also contacted Citibank and they have incorrect info on me, neither is deleting and are not in full compliance with federal credit fair reporting compliance
Complaint sub-issue: Account information incorrect

Dear Sir/Madam : Recently, Bloomingdales reported a 30 day LATE PAYMENT to all Credit Bureaus stating that I was late 30 days. I never received an email statement nor a paper statement telling me that there was a {$82.00} balance due and I have several accounts and I keep track of all the accounts and make timely payments as I receive statements. My credit score has always been about 785 FICO with the 3 Credit reporting Agencies. Today, my credit score dropped to XXXX due to the fact that BLOOMINGDALES CREDIT reported 30 days LATE Payment to the Bureaus. I immediately contacted the Bloomingdales Credit Department and after waiting ror over 45 minutes being on hold, I was able to speak to Ms. XXXX in Bloomingdales Credit Department I explained the entire situation to her that I never received a statement via email for the past 2 months which I always receive on a monthly basis and I requested that the 30 day past due late payment reported to the credit bureaus be removed and show as being current since it is not my fault that I never received a statement from Bloomingdales and how can I be held responsible. 

The only was I found out that my payment was past due was because I received a phone call from Bloomingdales Customer Service after 2 months letting me know to call Bloomingdales for an important business matter and when I called Bloomingdales Customer Service, I immediately made the payment of {$44.00} and Customer Servicve removed the {$38.00} late fee on the account which brought the balance down to {$0.00}. Since I was on the recorded line with Bloomingdales and they informed me in the beginning of the phone call that all calls may be monitored for quality assurance purposes, I was told by the Bloomingdales Customer Service that there would be no negative reporting to any credit bureaus and I am sure that conversation was recorded on the Bloomingdales phone line since they record calls like the rest of the companies for quality assurance reasons. 

I even requested to speak to a Bloomingdales Credit Department Supervisor and she even refused to assist me in this matter. I explained to her that it was Bloomingdales fault that I had not received statements from them for the past 2 months and she was another rude person just trying to state the facts the the negative reporting would not be removed. I have no where to go to but to come here and pleasd to your organization. 

I recently applied fr a new mortgage application and my mortgage loan wold be denied if they see that there is a recent 30 day late payment on my credit bureaus from Bloomingdales. I have an excellent record and my credit score has always been above 780. I am requesting that Bloomingdales be contacted and that I receive assistance in getting the 30 day late payment record removed from all 3 credit reporting agencies. 

Thank you XXXX XXXX XXXX ( Cell )
Complaint sub-issue: Problem using a debit or ATM card

I filed a claim for unauthorized access to my checking account to # XXXX XXXX on XX/XX/2022 after filing the claim I received notice that the funds would be reversed because the merchant claimed that I benefited from the unauthorized access my checking account this is what is stated on the reason for my claim being reversed and I also have documentation record it as to the statement that was made by the adjuster or investigator who handled the claim so in essence what they are saying US Bank is saying is that its OK to steal money from a persons checking account as long as that person appears to have benefited from the funds that were stolen. And that is absolutely ridiculous!! I never authorize the merchant to remove any funds from my account in fact I never gave them access to that card number except for when I made a purchase at the store this transaction was not a purchase from their store it was a mobile phone payment that was never authorized from the beginning the resolution that I am seeking is the return of my {$220.00} that was taken without my permission!!!!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Funds not received from closed account

My personal bank account was closed without any notice or my consent in XXXX, 2020. As I was XXXX when the issue took place, I was notified by the Customer Service ( XXXX ) representative that I could only retrieve the remaining balance through mailed checks. By the time of that phone call, they have sent the checks without any notifications. I declared my situation, and the representative promised that the news checks will be sent soon and received 7 to 10 business days upon my inquiry. 
In late XXXX, as I still havent received the checks, I called again to follow up. After a quick check with another CS representative, I was told that the checks were sent to a wrong address, and no further details were disclosed. The representative corrected the address with me, and told me that the bank will re-send checks. In XXXX, several letters notifying about the address change and my inquiry were delivered, yet still no signs of the refund. 
In early XXXX, a check corresponding to my checking account balance ( XXXX {$2700.00} ) ( XXXX ) was finally delivered, while the check of the balance on my saving account ( XXXX {$11000.00} ) is still nowhere to be found. I believe that, this delivered one is a proof of the address to be valid to collect the mailed checks, so I called the customer service again to follow up. This time, I was able to communicate with a supervisor, and obtained a UPS tracking number ( XXXX ) of the primary mail. However, the tracking status was shown as delayed, and later directly returned to the sender somehow. UPS failed to provide the exact reason. After another call with XXXX  in late XXXX, the representative promised to re-mail the check, but this time, refused to provide any tracking information. 
After around three weeks, the check has still not been delivered, which led me to call the XXXX again on XX/XX/XXXX. The representative first claimed that their job was to send the check and he had no idea which it is not received yet. Additionally, when he offered to send a new check, I requested to first investigate what happened to the previous one and asked for a tracking number to confirm. I believe it is a reasonable request due to the repeatedly failed attempts, yet the representative refused to help and keep doubting if I have truly received a real tracking number. It was a futile conversation with him questioning me if I am asking for a check number or a tracking number. Therefore, I requested to directly speak to a supervisor for further explanation, and a supervisor named XXXX took over, promising me to further investigate the issue and to call me back on this Monday XXXX XX/XX/XXXX, XXXX time ). I gave my XXXX  mobile and a local number of a friend as back-up, yet no call was received. 

Please see the attached letter for more information.
Complaint sub-issue: Problem with statement of dispute

All of the hard credit inquiries were verified in writing to Equifax as " not factual '' and they submitted a letter to have them removed ( to Equifax ) or did not respond to the inquiry from Equifax ( which will also result in removal ). Even after this Equifax will not remove them. 
Equifax 's system is " automated '' meaning no one is actually making inquiries to the validity of the records in disputed item! 
This is just criminal!
Complaint sub-issue: Card opened as result of identity theft or fraud

I checked my credit report and noticed a recent credit card opened for US Bank, I have never applied for this card. It dropped my score by XXXX points. I have tried several times to contact US bank and the hold time is over an hour. I need this off my report, and investigated to see whom initiated this fraudulent credit card under my name.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a 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: Funds not handled or disbursed as instructed

In XX/XX/2022, I received a mailing from CITIBANK. It advertised that by opening a new CITI Miles Ahead Savings Account, I can earn AAdvantage bonus miles. The miles would be added to my CITI American Airlines Advantage Mastercard. The mailing clearly states that all I need to do is open the account, deposit {$50000.00} and maintain it for 60 days, and then wait 90 days for 40,000 miles to appear. Please look at the attached mailing. So on XX/XX/2022 I deposited {$50000.00} into a new Citi Miles Ahead Savings Account. Today is XX/XX/2022. The {$50000.00} is still on deposit. I've called CITIBANK 6 times over the last 3 weeks. When I ask how soon the miles will get credited, I get a different answer every time. The last time I called, I was told that they couldn't locate a promotion code attached to that account. So I mailed a copy of the actual literature to CITIBANK, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, along with a cover letter. Still waiting for a response.
Complaint sub-issue: Trouble with how payments are being handled

I am actually the co-signer for this loan and we are trying to pay it off. I sent American Education Services who services the loan an extra {$500.00} payment over two months ago. It NEVER got applied to the principal and they pretty much have no idea where the money went. All we are getting is a " runaround '' about it. I would love to just pay it off but am scared they will " take '' that money as well. I have looked online and have noticed NUMEROUS problems others have had with this loan servicing company. Someone really needs to " audit '' this company. Every time I turn around they keep charging us extra interest and we setup automatic payments yet most goes towards interest. We put a request in to increase the monthly payment way before the amount would have been taken out and they " purposely '' just skipped the next month 's payment just so more interest could be charged. They may not be doing anything illegal but I believe they are highly " unethical ''.
Complaint sub-issue: Debt is not mine

Enhanced Recovery Company has contacted me over XXXX debts that are not mine. On both occasions, I called and informed them of this issue and they said they " would make a note and take care of it. '' XXXX of the debts has now been reported as delinquent and is on credit report, The process for removing this debt from my record is exhausting and slow and places the burden of proof on the individual and not on the person assuming the debt. ERC has acknowledged that this debt is only linked to me by name and not through a social security number. Despite my contacting them and rejecting ownership of this debt and they having no proof that the debt was in fact mine, they still reported it to the credit bureaus and have affected my ability to acquire a mortgage in the short term. This is a shady business practice. Debts whose ownership is not confirmed and verified via a SS number or other official means should not be allowed to be reported.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Personal information

While reviewing the Personal Information on my Credit Report I came across names that are not mine that are attached to my Credit Report. This worries me due to how many Credit Cards and other accounts were attempted to be opened in my name.
Complaint sub-issue: Application denied

I was applying for a new credit card at Discover and provided every bit of information that they requested including the all the documents proving identification. After speaking with an agent it came to light that it is required that I talk on the phone to confirm these details but I speech issues on the phone which makes talking on the phone very difficult and causes quite a lot of anxiety for me. I let the agent know that and they were respectful but did not provide another option and canceled the application. Just sad that discover could not be more assistive to me.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, There was a hard inquiry made on XX/XX/2017 that I did not authorize by the company called XXXX XXXX XXXX XXXX XXXX XXXX. I did not sign any document giving permission for this hard pull nor did I authorize anything. I was looking over my credit and noticed this error.