Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get flexible payment options

AES/NCT/XXXX have multiple credit marks on my credit. I never signed an agreement with NCT/XXXX and I have no proof they still own my debt since NCT is a trust ( not a lender which AES claim ). It is illegal to claim NCT is my lender when I never signed an agreement with them. I have multiple marks on my credit which AES claims they ca n't remove even though they are the ones reporting on my credit not NCT/XXXX and AES/NCT is on my credit report even though I never signed an agreement with either company. AES claims NCT will not remove any items from my credit ( they are lying because they can remove them ). I hate dealing with AES because they are bunch of liars and XXXX XXXX is a XXXX because she does n't know she is talking about. She claimed last year that I gave them my mother 's number when the XXXX party collection XXXX actually changed my personal information without my permission. I would n't give my mother 's number out to anyone but she claims I did and never apologize for the misinformation. AES often give out bad information because I record their calls. I will urge everyone to start filing complaints with CFPB so AES can be shut down. They are engaging in illegal business practices by claiming NCT is my lender when they are a trust. NCT does not lend money out because they are a XXXX party debt buyer of student loans which means they must adhere to the FDCPA and FCRA plus the trust regulations. I want all negative items removed from my credit because I do not want to deal with AES anymore because they are an evil company that should be shut down. I also have reps sending my debt forms by email even though I have told them several times, I will NEVER DO AUTO DEBIT WITH AES SO STOP SENDING THEM TO ME. I do n't trust AES to go into my checking account so there is no need to shove this product down my throat. I want see proof that NCT is the lender of this debt, I need to see paperwork that shows I signed an agreement with NCT/XXXX.
Complaint sub-issue: Trouble getting, activating, or registering a card

This is a card supplied by Texas Workforce Commission. TWC ( I believe ) has added assets to the card already. I received the card, attempted to create a new account for online access. https : //www.usbankreliacard.com/ site says my account has been locked and I must call the number provided. I did call the number, was on hold over an hour, agent answered, call disconnected. I called back, on hold over an hour again, gave up. I called US Bank directly, was told they offer no support for the Reliacard that my only recourse is through the Reliacard division.
Complaint sub-issue: Their investigation did not fix an error on your report

This company claims that I have a balance of {$260.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to them asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a bill with the amount that they claim that I owe to them. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On the bill it shows XXXX XXXX as the original creditor but I never had an account or a contract with them.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This should be rectified by : Equifax should be required to monitor my account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. If there is fraud due to this misuse of my report, Equifax should be responsible for correcting the fraud as well as responsible for any associated costs. 

Additionally, Credit freezing should be free. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Funds not received from closed account

CitiBank notified me on XX/XX/2022, that my account would be closed and that within 60 days they would refund my money. As of today, XX/XX/2022, I have not received my funds, which means that the {$2000.00} that I transferred from XXXX Bank XXXX XXXX XXXX account to CitiBank does not earn interest. I request the immediate return of my {$2000.00} funds.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX  # XXXX. {$2400.00}. XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem with fees charged

My vehicle was repossessed by Ally auto company. They stated that I defaulted on my lone but they stopped taking payments in XXXX of XXXX. In XXXX of XXXX and again in both XXXX and XXXX of that year I was contacted by ally about a past due amount on my account witch I offered to pay in full all three months. All three time my payments offer was denied. They continued to take my monthly payments. Then suddenly in XXXX of XXXX they stopped. I didn't realize this until just recently. I had no notification that they were not taking the payments. On Monday XX/XX/XXXX of this year they repossessed my vehicle stating breach of contract for nonpayment. I have tried to contact them to find out what was going on and there reason for not take payments. I could get no answer after being transferred from department to department. It is apparently clear that the reason my loan went into default is there decision to stop taking payments. Not one person could answer why. When I got transferred the last time to the department I started with I was informed that suddenly I wasn't on the account.
Complaint sub-issue: Account information incorrect

You pay down your bills and your credit score goes down. How can you win with these organizations.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX/DEPT of ED # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

I was part of the Equifax cyber security breach that affected over 140m consumers.
Complaint sub-issue: Trouble with how payments are handled

My daughter has student loans serviced by American Education Services ( AES ). I am cosigner on those loans. Over a period of time from XX/XX/XXXX to XX/XX/XXXX, payments made directly to AES by my daughter have been lost or stolen by AES. There are 17 missing payments at this time, totaling more than {$10000.00}. My daughter and I have provided three different types of proof, including actual bank statements from her bank, showing the date and amount of payment made directly to AES. They continue to say they can not " find '' the funds. We have contacted also the Pennsylvania Higher Education Authority ( PHEAA ) and their Office of Consumer Advocacy. These people are supposed to be advocating for the consumer and holding AES accountable to try to correct the multitude of errors and complaints about AES. However, all PHEAA have done so far is make excuses for AES and tell me how they are a huge company with millions of people making payments. My daughter and I have called AES and PHEAA many, many, many times to try and resolve this. They have terrible customer service and inept financial management. However, even though we tried and tried to get a resolution and produce evidence of our payments, they continue to send a barrage of emails, phone calls and letters to say we are delinquent. Both my daughter and my credit reports are full of indications of " adverse '' results and delinquent accounts. My daughter stopped making payments for a few months because she is afraid of more funds being lost or stolen and we received notice they were going to send our information to collection agencies and we would be required to pay the amount in full. She set up a system then to begin to make payments again while this is sorted out, and the first payment was received and credited with no problem. Now the second payment is again " lost '', even though she went on the AES system and make the payment with direct debit to them, just as they had instructed. Once again, the money is taken from her bank account and paid to AES, but AES says they never received it. PLEASE make them credit my daughter 's loan balances right now for the {$10000.00} that she paid to AES. ( {$9200.00} paid and not credited to her account in XXXX and {$1400.00} paid XX/XX/XXXX and not credited to her account!!!
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX # XXXX is reporting a new collection that I never received any notice or 30 day right for. I had no idea that this collection existed until I saw it on my credit and it is in Violation of my 30 day right to dispute.
Complaint sub-issue: Account status incorrect

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my Equifax and XXXX credit report : Account name : XXXX XXXX XXXXXXXX Acct XXXX Date open : XX/XX/XXXX charge off XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). 

I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. 

It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX continues to call and text my phone about a debt that I don't recognize. They say they're calling on behalf of Why Not Lease It, whom I've never done business with to my knowledge. I have contacted the company, and they are unable to provide me proof of any transaction made. 
XXXX XXXX XXXX told me that they don't have to verify the debt. I've asked them to stop calling me more than twice and for them to communicate with me via partial mail.
Complaint sub-issue: Company closed your account

In XX/XX/2017 I expressed to BB & t that the account that was closed had a balance of XXXX and that the information was incorrect because i never used the bank account before. I had a representative say that they can waive the fees because it was not that much. I thanked her and almost a year later they are still reporting negatively on my consumer report as abusive behavior on my account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I moved from XXXX XXXX XXXX XXXX. XXXX XXXX, NY to a new address. Mail came to that old address and it was stolen by the new residents. I forwarded the mail at the US Post Office but some important mail slipped through. I found out that the new residents had used my name to apply for various types of accounts. The following inquiries on my credit were not authorized by me! 

XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX Credit/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX  Account # XXXX, Account # XXXX Account # XXXX 15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Account information incorrect

dear XXXX XXXX  This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

XXXX XXXX  : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Complaint sub-issue: Account information incorrect

On XX/XX/2020, I submitted payment in full on two credit card accounts with CitiBank and XXXX. It took 15 days and two phone calls to get them to acknowledge the payments. They have not, as of XX/XX/2020, reported the payoff of either card to the credit reporting bureaus. This resulted in CitiBank reducing my credit limits and lowering my credit score. When I tried to dispute it with them directly, they basically said tough nuggets, buddy, and refused to take any other action.
Complaint sub-issue: Account information incorrect

Credit bureau has in correct information on account. I am requesting how who and where they got the information from.
Complaint sub-issue: Was not notified of investigation status or results

I sent out a letter to XXXX XXXX, equifax and XXXX  on XX/XX/2021. They have yet to get back ti me and it has been several months i think they are taking advantage of me and think i do not know what I am talking about. Please help me take care of this matter. They are not respecting me. They were suppose to respond back within 30 days and if they information could not be verified as accurate within those 30 days they are suppose to remove them.
Complaint sub-issue: Investigation took more than 30 days

I am a victim of credit card fraud and identity theft. I submitted my complaint to Equifax fraud department on XX/XX/XXXX alone with a verified police report of the theft. I also discovered that I bacame a victim of identity theft during the Equifax Breach in XX/XX/XXXX after not receiving my social security XXXX deposit. My credit has been affected negatively lowered credit score by 200 points therefore affecting my personal and business credit making it difficult to achieve government contracts. I am XXXX  % service connected XXXX veteran in college full time and am in need of help with this issue. I resubmitted my information to Equifax fraud department again in XX/XX/XXXX, and still have not gotten any response. Thank you in advance. Please give me the benefit of the doubt that may arise in your decision.
Complaint sub-issue: Account status incorrect

Here is what I submitted to XXXX : XXXX mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from XXXX so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both XXXX and all three credit reporting agencies : Equifax, XXXX, and XXXX. I tried to get this information updated months ago, but instead of fixing the problem XXXX then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened. 


Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( Equifax, XXXX and XXXX ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from Equifax, XXXX or XXXX, the credit update would not have occurred as we do not report to third party credit agencies. 


Here is the reality, if XXXX submitted this then they submitted the wrong thing or all three credit agencies are reporting incorrect data on my credit and NOW ON MY WIFE 'S CREDIT!
Complaint sub-issue: Account status incorrect

i have tried to work with equifax concerning my credit report, they are still showing my report closed for my automobile when it should be open.I purchased the car XX/XX/XXXX and still have it in my possession. this is damaging my score and stressing me out because i cant get approved for anything.i have wrote XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX concerning this item and still no reply. need help in solving this issue because they have violated the 30 laws by not responding within the time frame.
Complaint sub-issue: Don't agree with the fees charged

I'm pretty sure I was being scammed. A third party ( XXXX XXXX ) contacted me about my federal student loans, not my servicer ( XXXX ) but they said they would reduce my payments and help me qualify for forgiveness if I made sure not to miss any payments, and paid an initial balance of $ XXXX/month for the first five months. I thought they were related to XXXX because they knew how much I owed and what types of loans I had. I ended up giving them two of my paystubs, my debit card info, and my SSN. They had me sign a POA form. I became suspicious because I'm still in my grace period as a recent graduate, and I was complaining about it to my coworkers who said I was probably getting scammed. On XX/XX/XXXX, XXXX XXXX pulled {$190.00} from my checking and told me this would not go towards my principal but towards the people servicing my loan. Today, XX/XX/XXXX, I contacted XXXX and requested additional security to prevent other people from accessing or altering my account. They confirmed that no payments or changes had been made to my account. I contacted my bank to cancel my debit card. I also contacted docusign express directly to cancel my account and request a refund.
Complaint sub-issue: Attempted to collect wrong amount

XXXX agencies, Enhanced recovery collection and ERC. They insisted on me to pay the amount. The creditor is XXXX company. XXXX denied because it has no account information in the system. suggesting me to file ID theft. or dispute it at XXXX credit bureau.
Complaint sub-issue: Problem accessing account

PNC bank took over BBVA. PNC won't let me get my banking history. I have asked them but they will only give me 3 months worth. I need my banking history for tax purposes. Can you help me get my history from them?
Complaint sub-issue: Account information incorrect

This pertains to all 3 credit report agencies XXXX XXXX XXXX and equaifax. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on XXXX XXXX after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.