Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I currently have an installment loan with Republic Finance. On XXXX XXXX a payment was submitted to them in the amount of {$150.00} and on XXXX XXXX the payment was applied to my account. On XXXX XXXX, XXXX I received a credit notification from XXXX and XXXX which stated that my payment was 30 days past due. I reviewed the payment receipt that was mailed to me from Republic Finance which stated that my payment was received. When I contacted them they informed that the payment system updates on the last day of the month which was XXXX XXXX, XXXX. They informed me that the payment did come in on XXXX XXXX but was not applied to the account until the next day. I then asked them why I was reported as 30 days past due when at the time the payment was submitted I was only 22 days past due. Again they told me that the system updates accounts electronically and that they have no control over it when it updates accounts and submits reports to the credit bureau. I informed them that this has happened in the past and I had to file similar complaints in regards to this type of credit reporting. They reviewed my account and then stated that they were not allowed to talk to me about it. They informed me to file a credit dispute, but made sure to tell me that the credit report wont be changed. I currently have a balance of {$400.00} which I want to pay but I feel that if I submit this payment I am worried that t will not be credited to my account correctly which may cause my account to remain delinquent. Republic Finance has a history of not report account information correctly.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/XXXX - purchased a mattress using promotional 12 months no interest. From XX/XX/XXXX to XX/XX/XXXX, I made additional payments XX/XX/XXXX times, ranging from {$5.00} to {$180.00} over the minimums due. Since I do paperless, I assume the additional was being applied to the promotional balance. On XX/XX/XXXX I notice that promotional balance was {$540.00}, so I went and download all statement for the promotional period. From XX/XX/XXXX to XX/XX/XXXX none of the additional was applied to my promotional. Only the XX/XX/XXXX and XX/XX/XXXX additional amounts were applied XXXX see below ). 

On XX/XX/XXXX I called and the first rep XXXX XXXX XXXX   said that " online system payment there is no way to indicate additional amount should be applied to promotional, that the customer needs to let them now to apply it. '' Nowhere on the website, statement or policy does it state that I have to inform billing that the additional payment should go to promotional balance. 

After 2 more calls, I was able to get a supervisor to apply the additional payment to the promotional balance, but only for the past 6 months. I had to pay {$270.00} instead of {$100.00} to avoid been charged {$220.00} in deferred interest. 

Citibank needs to automatically apply additional payments to the promotional balance and not require the consumer to have to contact customer service to do so. 

due paid over statement XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX applied promotional balance XXXX XX/XX/XXXX XXXX XXXX XXXX applied promotional balance XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My husband and I rented a house from XXXX XXXX XXXX of XXXX, XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX, XXXX, Florida XXXX. 

After several months of chronic plumbing problems that rendered part of the house unusable, created a credible risk of black mold, and destroyed hundreds ( probably thousands ) of dollars of our personal property, we terminated the lease and vacated the property by mutual agreement with XXXX XXXX XXXX. 

We left the house in pristine condition, and we have almost 70 photographs as proof ( plus 5 photos of the plumbing repair disaster and 4 photos of the damage to the adjacent walls and ceiling in the garage that was caused by their negligence and botched plumbing repairs ). 

Nevertheless, XXXX XXXX XXXX sent us a statement claiming that we owed them {$4500.00} for what amounted to normal wear and tear ( in violation of Florida law ) and for the property damage that was caused by their own negligence in failing to properly address the plumbing issues. They also refused to return our security deposit ( {$2400.00} ) without making a proper claim in accordance with Florida law. 

At some point, XXXX XXXX XXXX sold that alleged " debt '' to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida XXXX, who is now reporting it to Equifax, XXXX, and XXXX. 

We have repeatedly disputed that line item on both of our credit reports with all three credit reporting agencies as well as XXXX XXXX XXXX directly. 

We have provided detailed correspondence complete with the photographs proving our position to all four of those entities. 

We have demanded a description of the reinvestigation procedures in accordance with FCRA 611 ( a ) ( 7 ) from each of the three reporting agencies. 

We have provided information to all four entities showing that the President, Secretary, and Treasurer of XXXX XXXX XXXX who made the initial claims in the first place ( XXXX XXXX XXXX ) has been disbarred for unethical, fraudulent, and dishonest conduct ( including making false claims and fabricating evidence ). 

We have notified all four entities of our intent to file suit against them. 

And we have sent FS 627.4137 pre-suit demands for insurance information in preparation of that lawsuit. 

Incredibly, none of those things has gotten their attention. XXXX has ignored all our correspondence, and the three reporting agencies simply continue to claim that they are " investigating '' the alleged debt before " verifying '' it and notifying us that it will remain on our reports. Despite our repeated demands, none of them has ever provided any FCRA 611 ( a ) ( 7 ) information, addressed in any way the 70+ photographs and other documentation that we have repeatedly provided to them, or responded to us in anything other than a cursory and disingenuous manner. 

We are hoping that we can get some relief through you rather than having to go through the extended mechanics of a lawsuit and jury trial.
Complaint sub-issue: Need information about my balance/terms

Originally took out a private student loan in XX/XX/XXXX/XX/XX/XXXX in order to be able to finish college for about $ XXXX. It 's now 10 years later and I still owe over $ XXXX. I 've never made a single late payment, always pay above the minimum payment needed. It 's supposed to be a XXXXmonth loan and there 's no way it will be paid off in 14.5 years! I believe AES has been committing fraud and trapped a young naive XXXX year old student eager to go to college. Each month it appears they never apply the extra amount to principle balance, but instead use it towards future payments meaning that I 'm always paying interest on a higher principle balance than if they had applied the excess payments to principle balance. Each month the amount applied to principle balance and interest balance is HUGELY different each and every single month.
Complaint sub-issue: Account opened as a result of fraud

Hello I received a letter in the mail dated XX/XX/2022 stating that I had opened a new checking account with Comerica Bank. I did not open this account. I called them to alert them of the fraud. They stated that they had already flagged it and closed the account but suggested I also report it to you and the credit companies, which I have done. 
Thank you
Complaint sub-issue: Reporting company used your report improperly

I provided my information to Conn 's with the agreement that they would not use this information to perform a hard pull on my credit report. They even advertise on their following link provided below that, " No credit score impact to see your options. '' https : //www.conns.comXXXX I have never requested credit from Conn 's and yet my XXXX credit report has a hard inquiry from Conn 's . I believe that they have fraudulently pulled my credit report, or at the very least, deceived their consumers into believing that providing their information will have no impact on their credit. 

I have attempted to reach Conn 's several times by email. The first attempted of contact was on XX/XX/2020, as soon as I found that my credit had been adversely affected. I have waited over a month, yet they have continued to ignore all of my messages. 

I have no where else to go, I hope that the CFPB may help resolve this issue for me, and presumably other consumers which may have been misled and adversely affected.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc.

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all
Complaint sub-issue: Information belongs to someone else

On XXXX/XXXX/2020 I've sent dispute for all unknown and inaccurate accounts on my credit report. But there's still no response over 30 days. I was a victim of Equifax data breach. I demand to delete all unknown and inaccurate account ASAP or I will file a litigation.
Complaint sub-issue: Account information incorrect

I agree the two settlements were done per your response, but you are still reporting balances owed. Since these accounts have been settled the current balance should be {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

I would like to state that Equifax is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, a federally protected consumer, never gave Equifax any written consent to report anything on my credit report. No consent was given and this is identity theft. I demand that you remove these inaccuracies off of my credit file within the next 10 days. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. 

I have listed the following accounts that you incorrectly reported and should be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused me a great deal of injury. By allowing these inaccuracies to be illegally furnished on my consumer report, it has caused financial damages to me, including jeopardizing my living situation, as well as caused me to completely lose confidence within the banking system. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 


Regards, XXXX : XXXX
Complaint sub-issue: Trouble with how payments are being handled

I am currently in the PSLF program which is serviced by FedLOAN ( US Dept of Education ). In XXXX of XXXX, I noticed they had incorrectly calculated the number of " qualifying payments '' to my account. At that time, at their request, I made a formal complaint for a recount. I received a partial recount update last year ; however, again, they are woefully shy of the roughly 7-8 years of payments I have made since XXXX being employed full time by 501 ( c ) organizations, where I remain working full time teaching medicine to this day. 

I call FedLoan every 3-4 weeks and continue to be told, " we are sorry, we are understaffed. We no longer have a timeline when your request for a recount will be done ''. This severely impacts decision-making for my career and further negatively impacts my decision to consider working in an area of severe unmet medical need.

This process has now entered is 3rd year since my requests.
Complaint sub-issue: Information belongs to someone else

I submitted a complaint against Equifax XXXX COMPLAINT ID XXXX ) and they sent me my credit report. There are errors on it, and despite complaining to them prior, and also in my filed complaint, they do not acknowledge that while I have an account, I can not access any information, nor can I access information via telephone. On line, it keeps giving me a message that it is temporarily unavailable, and via phone, they state I am not recognized. In other words, on my complaint they simply pushed a button and sent me my credit report, but did nothing else to resolve the issue. On the phone, I get to the verification steps of loans, and since I do not have any, I answer no to all their questions, and then they tell me I can not be verified. And the credit report shows I do not have loans.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have completely given up on XXXX  bankcard customer service. 

I called them to complain about unauthorized charges on my card over 2 months ago. At first I gave my report to the unauthorized charges department. I called 2 weeks later to follow-up and was told that I actually had to call the Fraudulent Claims Department. 

So, I did. I then called 2 weeks later and was told that my claim had been sent to the Presidential Offices. So, I called them to follow-up. They said they would contact me within 2 weeks. When they didn't, I called them.

And, believe it or not, they said that too much time had passed ( 117 ) between the charges and today, so they couldn't be helpful. Half of the 117 days were waiting for XXXX to investigate the charges. So, I asked to speak to her Supervisor as was told they would get back to me within 48 hours. They make it so difficult and make you jump through so many hoops to file and see through unauthorized charges. 

All of the charges are from the same company : XXXX All of the charges were from XXXX, XXXX and XXXX, XXXX. 

The date of my first call to dispute these charges was XX/XX/XXXX. I have the phone receipts of when I made each call and how long each call was.
Complaint sub-issue: Trouble with how payments are handled

I attended school XXXX last year to finish up prerequisite courses for XXXX school, which I am currently in the application process for. During such time, my federal student loans were in a deferral status through American Education Services, which is supposed to carry over for 6 months after finishing school. School ended XX/XX/XXXX, so no payment should be expected until XX/XX/XXXX. However, AES is claiming that the payment was due in XX/XX/XXXX ( 4 months instead of XXXX ) and that the loan is now past due. Their letters specifically stated that the grace period would be over in XX/XX/XXXX. As I am currently searching for work while applying for graduate school, I am unable to pay the amount they currently demand. As previous dealings with this company have solved nothing in the past, I am taking this complaint the the Bureau of Consumer Finance to avoid the major headaches they otherwise would cause.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 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: No notice of investigation status/result

To whom it may concern, XXXX recent credit inquiries showed up on my Equifax credit report. Called the creditor, they said they did not pull my credit. Disputed online on Equifax, Finished in one day and stated nothing can be done because they are " factual record of file access ''. Called Equifax, refused to provide any proof of the inquiry except the creditor 's name which I knew already. 
Told Equifax that the creditor 's stated that they did not pull my credit and Equifax should investigate again. Nothing was done and Equifax insisted that the creditor needs to contact them over business line only in order to get this removed. I then mentioned the Fair credit reporting act that if the creditor does not provide information, it will be Equifax 's responsibility to get in contact with the creditor and If the credit bureau does n't get a response either, it has an obligation to remove the disputed inquiry. Got no comment from the agent and still insisted that this is a legal issue and they ca n't say anything about, and insist to ask the creditor to call Equifax to get this removed. 
Refused to give me further help expect keep insisting to ask the creditor to call them over their business line which they refused to give me as well.
Complaint sub-issue: Account status incorrect

After I filed the complaint about the credit reporting agencies I did a thorough investigation on my student loans and found out that all my lstudent loans are still current based on XXXX XXXX XXXX. That none of my loans delinquent. Therefore XXXX had fraudulently reported my student loans delinquent even though that is not true. XXXX, company that handles student loans falsely reported a false credit report on me. 
Sincerely XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Jefferson Capital System is trying to collect {$10000.00} from me and put it on my credit report. I don't owe this company anything, I don't even know who they are. Please remove!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I DO NOT RECOGIZE ACCOUNT
Complaint sub-issue: Public record

I have provided documentation to all the XXXX reporting agencies and only Equifax has chosen to leave the tax lien, which was found to be an error by the state of XXXX, on my credit report. I have done everything that I can do on my end to resolve this issue. Please assist me in anyway that you can.
Complaint sub-issue: Reporting company used your report improperly

Someone used my credit without my consent and applied for accounts using my identity.
Complaint sub-issue: Billing problem

We entered into a loan with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX to refinance a XXXX XXXX XXXX. We have faithfully made all our payments on-time and have often paid an additional amount using the " Additional Principal '' designation on the payment coupon. Our goal is to pay the loan off early. 

On XXXX XXXX,, 2019, during a review of our account, we noted that the bank had not directed the additional amount to principal, but had applied a portion of it to interest. We have made this additional principal for years. The coupon clearly gives the impression that Principal Only payments are accepted. And for years we have been led to believe we were getting ahead with this loan. 

When we contacted Customer Service, we were told that the bank doesn't accept Additional Principal payments, despite that designation on the payment coupon. We also were told that to make a principal only payment, we would have to submit it in a separate envelope designated " Principal Only. '' We pointed out that the website clearly indicated that we had no payments due and were up-to-date on all our obligations. We believe this bank has intentionally misled us and is in violation of our loan agreement. We believe they have applied thousands of dollars designated for Principal to Interest, in violation of our loan agreement, and the directions we were given by bank personnel. Agents refuse to discuss this issue with us, telling us we have to make a personal trip to the bank.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The company Equifax decided to not only " investigate '' the incorrect item, they've made no attempt to contact me by phone or email, and just today decided to drop my credit score 30 points in what looks to be retaliation for filing a complaint with the government. There is literally nothing in my report that would warrant a 30 point drop. I havent made any late payments, and havent applied for any loans, nothing. 
My phone number is listed, there has been no voicemails of any kind nor emails to the email address provided.
Complaint sub-issue: Can't close your account

I have tried to close this citi card account more than 5 times. I have spent collectively more than 5 hours on the phone with Citbank about this as they continued to charge me despite confirming on the phone that the account has been closed. This is the 2nd complaint I am filing with the CFPB about this. While citi bank did refund me the money that was charged after the account has been closed- it appears from the email photo I have attached, that the account is in fact still open. 

We are now more than 4 months into my process of requesting the account be closed permanently. On XX/XX/XXXX, they emailed me saying the account was closed. Clearly this is not the case. 

I will never open a card with this company again. I am enraged that it has taken so much effort to close a credit card.
Complaint sub-issue: Debt is not yours

American Education Services ( AES ) is collecting student loan debt in my name that seems to have originated from a maze of student loan lenders, including XXXX XXXX XXXX XXXX. Upon tracking down the origin of the purported loan in my name, the original loan was created under false or fraudulent circumstances ( though the information is rather opaque ). It is the reason why the loan has had a 0 % interest rate since before the pandemic - because it is a fraudulent loan - a junk loan. Upon reading several articles and threads, it seems that this junk loan was supposed to have been dismissed years ago ; however, it seems that AES purchased the junk loan from another servicer and began collecting on it under a different name- which is all extremely concerning behavior. Using the advice of council, I contacted AES and asked for a Master Promissory Note. They sent me a generic document that DOES NOT include ( XXXX ) my name, ( XXXX ) my signature, ( XXXX ) any information about the debt they claim to own, ( XXXX ) any proof that AES indeed owns the debt in the first place. Therefore, we asked AES to cease collections immediately.
Complaint sub-issue: Reporting company used your report improperly

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agency XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).