Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I've sent several certified letters demanding Equifax to remove all closed accounts, inaccurate information and a collection from a third party to which I never had a contract with. I am not a third party and am speaking on my own regard. I am a natural person, consumer and the original creditor. Equifax has already caused me public pain when I inherited accounts I've neve had because of their data breach in which I have also filed a claim for. Pursuant to 15 usc 1681b- Permissible purposes Equifax never received any written consent from me to publish anything on my consumer report. Thus violating my consumer rights.
Complaint sub-issue: Information belongs to someone else

I have disputed with Equifax numerous times with no resolve. These accounts incorrectly show as deferred. These accounts, i am no longer liable for due to debt forgiveness. These accounts should be reflected as XXXX balance, XXXX owed, and not deferred. 
US. Dept of Education Acct # XXXX {$33.00}, XXXX US. Dept of Education Acct # XXXX {$13.00}, XXXX US. Dept of Education Acct # XXXX {$45.00}, XXXX
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/18 I got an alert that my account was in the negative. Every so often when this happens, I run to the bank and deposit the money and I'm fine. This time, I went to the bank and still got an overdraft fee after the money was in the account. I spoke with a rep on the morning of XX/XX/18 and she stated that there is nothing she can do and that I need to pay the XXXX that I was over by. I went to the bank shortly after that and deposited XXXX plus I did a transfer of like XXXX. I did this because I knew that I was expecting 2 other items to charge either the same day or later. Once I made the deposit, my account was in the positive. I checked my account later on XX/XX/18 in the early morning hours and noticed that I am being charged another XXXX in overdraft fees. I called on XX/XX/18 at around XXXX hours and spoke with a rep by the name XXXX, who stated that there is nothing she can do and I have to pay the fees. I asked to speak with a supervisor and she placed me on a 15 minute hold, before a supervisor by the name XXXX answered the phone. XXXX stated that the charge posted to my account the day before and that is why I was being charged the fee. I asked how can the charges post the day before and I not see it when I went to the bank or spoke with the rep the day before. She said there was no way for me to see the charge and that I still have to pay the fee. I told them I wanted to close my account because I am being robbed of my money and she stated that I can't close the account until I pay the fees. I told her that I would be filing a complaint and contacting my attorney and that after everything is said and done I will be closing my accounts. I explained to them that I went thru a similar situation about 2 years ago with them that ended up costing me over XXXX in overdraft fees that I was stuck paying.
Complaint sub-issue: Information belongs to someone else

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised that I submitted 4 disputes and never got a update.
Complaint sub-issue: Can't decrease my monthly payments

School : XXXX University, XXXX I am having issues with my loan servicer & bank. I have a private student loan financed by XXXX XXXX and serviced by American Education Services ( AES ). I was on a repayment plan with lower, affordable payments. When that repayment plan expired, my payments doubled and I was not able to afford them. I called several times and asked for other payment plan alternatives. Each time, they asked me a series of specific questions and were not transparent about the process. They were fishing for specific answers and if I did not respond with those answers they would deny my request and not help any further. For example, what I gathered from a group of questions was that if you were unemployed, they would only grant you a forbearance if you could prove that you have a job that starts in the near future. I had a job, I just could not afford my payment doubled. At one point, one representative told me to just pay what I can afford and my account would stay in good standing. I knew that was a lie. I 've continued to request help with repayment and have been denied each time. I continued to make payments each month with what I could afford. That amount has even increased over time. But the amount past due on the account continues to grow and my account is delinquent. This seems unfair considering I make a payment each month. I believe they are collecting as much as they can from me now, only to sell my debt to a collector where my options will be even more limited and my credit ruined. I have been dealing with this for about a year now.
Complaint sub-issue: Problem with customer service

I purchased a garage door opener and installation package from  Home Depot  and used the Home Depot credit card for the purchase. I purchased the unit in the store and brought it home.The installer came out and said there was an issue with the opener and had to take it back t o Home Depot. Home Depot s omehow called my mother who lives in Florida - to my knowledge her phone number is not on my Home Depot account - and advised her that I would have to buy a new opener since I purchased mine online ( which I did not ). The installers sai d Home Depot  would not release the unit to them, even though they are the in-house company  Home Depot  selected. I called  Home Depot ' s customer servic e three  times, they transferred me around and dropped my call, ultimately wasting my time and offering no resolution. All the while the opener and the install service remain on my credit account.
Complaint sub-issue: Personal information incorrect

I sent updated letter to XXXX Equfax and XXXX  to updated my current address and employer and my phone number all 3 credit bueaue Bureau all 3 credit bureau are stated can remove other addresses because the address was giving about a creditor, there one address never belong to XXXX it starts with I had never lived at the address
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX sent an unknown past debt of {$78.00} to be collected by a agency called Enhanced Recovery Company this debt is over 6 years old and Im just hearing about this only because the collection company hit the credit bureaus with collections and derogatory remark making my score go down and affecting me to purchase a home. I called the collections company regarding it and they told me it was debt from XX/XX/2012.
Complaint sub-issue: Funds not handled or disbursed as instructed

I initiated a wire transfer around XXXX  on XX/XX/2023 as part of a payment I was contractually obligated to make on this date. The status of the wire transfer was on 'Reviewing ' for the remainder of the day. The next steps in the process are 'Processing ' and 'Sent '. On Monday XX/XX/2023 I checked the status of the transfer and it was still stuck on Reviewing. I checked the timelines provided by Ally and I had initiated the transfer before the cut off so it should have been sent same day. Up until this point I have not received any communication from Ally as to why the wire was not being processed. Two phone calls later and some escalating I was finally told that the wire was on hold pending research and that it would not process until XXXX on Tuesday XX/XX/2023. Around XXXX on Tuesday XX/XX/2023 I checked the status and the wire transfer was still in the Reviewing stage so I called the customer service line again. I informed them the urgency of this wire, as I was now out of compliance with a contractual obligation because they have not processed the wire. I was informed that they closed out the research and I should expect a phone call any minute from the wire team to verify the information provided. I was assured the wire would be sent out today. It is now XXXX and I still have not been contacted by Ally bank, nor has the wire moved out of the Reviewing stage into the Processing stage. I am now at risk of losing the home I am trying to purchase because Ally is unable or unwilling to process the wire request, and is not communicating to me as to why the wire is not being processed. Either the customer service agents are misinformed, or are outright lying to me about next steps, timing, and when/if the wire will be processed.
Complaint sub-issue: Was not notified of investigation status or results

Equifax did not notify me that my information was stolen from their company. Including ALL personal data putting me at a high risk of identity theft.
Complaint sub-issue: Other problem getting your report or credit score

When I try to use the " Need Help Signing In? '' feature on the Equifax website, I get an error message that says " We are temporarily unable to complete this request. '' I have tried several times now to get access to my account, but this continues to happen.
Complaint sub-issue: Talked to a third-party about your debt

Hi I am filing a complaint for Hunter 's Warfield inc. This company has depressed me to death as i do suffer through XXXX XXXX, Hunters warfield keep harassing me, calling my family, friends, and job threatening me wrongfully to pay them {$1800.00} that that cant show proof of original document of I even sent out a validation letter and never gotten a response from them after they harrassed me for 3 months straight. They even keep playing with my credit report first they say I owe {$550.00} and then they say I owe {$1800.00} and then they update by decreasing {$1.00} now {$1800.00} but they don't want to respond to my letter i sent them to show original proof under section 609. These guys are causing me emotional distress and playing with my report, job, and messing with all my friends and family by harassing me saying there going to show up at my home and have me arrested for an owed debt they cant prove originally. This isn't fair or right this is a violation under FCRA and must be remove from all my bureas. 

Thank you Cfpb for helping were glad that you are here to help in situations like this
Complaint sub-issue: Trouble with how payments are being handled

American Education Services h as already reported me 30 days late, and I just received another threatening e-mail from them that they are going to report me 2 months late! I am in an approved forbearance. I just had to send them a payment of {$760.00} so that they hopefully not report me late when I am in an approved forbearance. I have already filed a complaint to have th e 30-day late removed. If they report me 60 days late, then I will have to fight to get the 60-day late removed when I am in a FORBEARANCE.   <P/> They approve forbearances, then they send me bills while I am in forbearance and they charge me late fees. I have attached many bills from them where I am clearly in a forbearance but they are still sending me bills and charging me late fees. I had 12 months of forbearance available to me in    XXXX   XXXX   XXXX   and they   continuously make me apply over and over and over again, every 2 months, even though the application clearly states that they can grant you up to 12 months with  one a pplication. Then in the processing time periods between applications, they harass me for a payment until they " approve '' my next forbearance for all o f 2 or  3 months. Then I make payments, like I did in    XXXX   XXXX   XXXX  , and  then they will backdate the start date of the forbearance to begin on a month that I MADE A PAYMENT, and then suddenly I have less a nd less forbearance available. The proof is there in the paperwork. My poor dad was my co-signer on one of my loans and because of this company, his credit score  dropped when he has credit scores in the  XXXX  and has never missed a payment.  <P/> CFPB, please help me with removing this late payment from my credit report. I need to refinance these loans and get away from this company and I can not do that with the late payment on my credit report. Because of the late payment reporting, my  credit score h as dropped  XXXX  points for a loan that I do n't even owe payments on because I AM IN FORBEARANCE. Please help me, CFPB. Please!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, I reached out to US Bank regarding an account showing on my credit profile. The account has a balance of {$170.00} and I would like to pay the account in full. Every month, this accounts reports as 90 days delinquent, completely destroying any hopes for rebuilding my credit portfolio. 

In a hot potato phone style, I was finally passed along to a manager in the recoveries department. The manager advised she was unable to accept my payment as " Mississippi State law limits how long I can be sued on a debt ''. I asked for clarity and why it has continued to be reported every month as 90 days past due if legally they can not accept my payment. She advised she was unable to do anything and provided the numbers to all three Credit Bureaus. I reached out to XXXX and they advised they can not do anything and the account will fall off in XX/XX/2022.
Complaint sub-issue: Need information about your loan balance or loan terms

Hello, On XX/XX/XXXX I sent the following message to MOHELA : " Hello, I was going through my payment history and noticed that the 14 months listed below did not have a due payment on them, so therefore are not counted towards my PSLF count. From XX/XX/XXXX thru XX/XX/XXXX should have been an in-school deferment. I am not sure what the deal is with XX/XX/XXXX - other than it was a COVID pause? Is there a way to make payments retroactive for the months listed below and get them counted towards my PSLF total? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks! '' On XX/XX/XXXX I received the following message from MOHELA : " Thank you for contacting MOHELA, We apologize for the length of time that has passed since we initially acknowledged your email inquiry. If your inquiry has already been resolved, we hope that it was resolved to your satisfaction. 

If your inquiry has not been resolved, please call our Customer Service at XXXX. If you need more information about Public Service Loan Forgiveness ( PSLF ), please visit StudentAid.gov/pslf or call XXXX. We have also included a few of the top PSLF-related Frequently Asked Questions ( FAQ 's ) below. '' ( FAQ/Remainder of MOHELA response removed for brevity of message sent to CFPB ) I waited seven weeks for them to respond to my inquiry and all they did was give me a boiler plate message that did not address my inquiry and proceeded to close my case.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted dispute letters to the 3 credit bureaus informing of inaccuracies on my credit report that continues to report negative which is impacting my scores in negative manner.
Complaint sub-issue: Public record information inaccurate

Simply put, Equifax has denied access to myself and my girlfriend over 20 times in about a year. XXXX and XXXX no problem. It is obvious they don't want us to access our credit report unless we pay their fees. My girlfriend was a Equifax member and we didn't encounter difficulty. After stopping the membership it has been impossible. She recently became a member again while on the phone just so that she can get help. It was obvious the lady helped her just to get her to be a member. They need to stop putting up barriers and be abusive of their power. A power that can easily be taken away. They are a private company yet think they are XXXX. They make many people I know feel powerless and impotent. They also cause many people to pay more because people need to purchase items yet have to pay more because they are through with the impossibility of accessing and correcting their report. I appreciate somebody putting a boot up their XXXX. Thanks. From a 20 year veteran and two war vet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I went into the XXXX in XXXX Ca and dealt with XXXX a XXXX XXXX salesperson and I clearly told XXXX that I would consider getting their services if I was able not to use my social security as I did not wanted a credit score pulled and he said " Do not worry, all I need is your home address and telephone number '' and I asked again " are you sure? ", he replied " Yes, we do not need your social security number ''. On XX/XX/XXXX XXXX XXXX send me an alert the XXXX XXXX XXXX had done a hard inquiry on my FICO through Equifax, I immediately disputed that fraudulent inquiry with Equifax and a few days later with XXXX XXXX XXXX as well. I believe that on the XX/XX/XXXX or XX/XX/XXXX I also spoke to an XXXX XXXX XXXX supervisor detailing the conversation I had with their sales rep at XXXX and that they needed to remove their fraudulent inquiry immediately! so far, I have not succeeded or have gotten that inquiry removed and my FICO has dropped about 21-23 points over that incident. Please help me!!
Complaint sub-issue: Old information reappears or never goes away

accounts are closed by the companies, when I received my reports back from bereaus via XXXX, Equifax and XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

This account was never billed to my address, I have never used this service, XXXX XXXX never proved that I own this account. I have never received a statement or a bill for this account at my home address. I have never received one document from XXXX XXXX asking for payment for the aforementioned account and I tried to dispute with no avail. I demand this removed from my credit report as there is no proof this is my account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2018, someone tried or did opened an account with On-Site Manager in my name. The reporting agency was Equifax and XXXX XXXX ID is XXXX. 
I was transferred multiple times at the company without anyone able to assist me.
Complaint sub-issue: Account information incorrect

the XXXX account # XXXX thats reporting on my credit report has inaccuracies that makes this report invalid!!! in XXXX date opened XXXX while in XXXX says XX/XX/2021 date last active all 3 bureau has three different dates!! PLEASE DELETE THIS INVALID DEROGATORY REPORT THAT'S HURTING MY CREDIT SCORE IMMEDIATELY!!
Complaint sub-issue: Public record information inaccurate

Gateways finical insttution llc forage me from the debt i.got a letter stating so but they refuse tomake it right along with other creditors on my account ny identy was stolen several times down south b  4 i  moved here 10 years ago and some items still remains from when i moved from down south
Complaint sub-issue: Account status

This is the second case I 've had like this. Their system is replacing previously reported data with " NR ''. For years, Equifax has report my XXXX XXXX account as 30 days late for XXXX XXXX. As it gets close to the 81 months of reporting, their system is deleting the reported credit info for each monthand turning into " NR ''. By doing so, this is NOT allowing 7 year old negative accounts to purge off. The XXXX account is scheduled to purge off because its 7 years for XXXX XXXX. XXXX is next week and the month of XXXX XXXX was replaced with " NR '' a couple months ago and still showing " NR '', which means it is NOT going to purge off XXXX XXXX like it should in XXXX XXXX because there is No Report history.
Complaint sub-issue: Information belongs to someone else

" IDENTITY THEF '' XXXX  XXXX, is on my credit report and I, never had a credit card from this institution. 
Dates : ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX, is on my credit report also and I, never filed for a loan/ Date : XX/XX/XXXX XXXX XXXX  XXXX ( AUTO ) Date : XX/XX/XXXX XXXX BANK Is on my credit report and i never used their bank. Date : XX/XX/XXXX XXXX XXXX ( FINANCE ) Date : XX/XX/XXXX All of this is on my credit report and I, don't know how.
Complaint sub-issue: Don't agree with fees charged

Hello, I believe that FedLoan Servicing has acted inappropriately by forcing a forbearance on me when I did not ask for one, while they were re-calculating my IDR/IBR payment. Additionally, the forbearance was only for a month ( I seems ), and to add such a large amount of capitalized interest to my principal, all because of a one month forced forbearance, is cruel and excessive. 
The forced forbearance, capitalized approx. $ XXXX and applied it to my principal. I understand this is part of the rules of forbearance, but I did not ask for this forbearance, and even if I accidentally and passively allowed a forbearance because their verbage made it seem required during my re-calculation process, then that in itself was unnecessary and unfair. 
Additionally, the forbearance was only for a month, while they re-calculated and billed me for my new monthly payment. Why should I suffer with a $ XXXX growth of my principal, simply to ask for a re-calculation? 

I was ready and willing to pay my monthly payment during the month of my re-calculation, but there was no set dollar amount to pay, and I was sent EIGHT various and confusing letters solely during the month of XXXX, while I was waiting to find out what the re-calculated payment would be. I had no idea what to pay or when it was due because it kept changing all in the course of one month. 
Come XXXX, I see in my FedLoan online account, that my principal has grown by $ XXXX capitalization. 
What kind of practice is this? FedLoan has failed to process my request appropriately, they are perhaps guilty of purposefully confusing me with letters that state different information, they are guilty of using their forbearance rules to force my principal debt to increase, and they lacked in allowing me a say in the matter. 

I can afford my monthly IDR/IBR payment, but I can not allow them to bully me into growing my principal debt like this. How is this fair? How many other people are they doing this too? Why should such a drastic action be taken when all I asked was for a re-calculation? It is like I was penalized because I could not afford the standard monthly payment, so they said, " ok, we 'll make a way to get that money by just forcing you into a forbearance and we 'll capitalize on some of your interest ''. 

What can be done about this? 
Why must I suffer financially and have to have loans through a shady servicer? 
Who can help me? Who can help Us Americans who are trying the best we can to repay our student loans? 

Please investigate. The best solution I would like to see from this, is for FedLoans to remove the capitalized interest that they just added to my account, it is an undue and unnecessary burden, inappropriately applied. 
Thank you for your time.
Complaint sub-issue: Fee problem

Opened A new virtual wallet account a month or two ago and erroneously transferred money from the reserve checking into the spend checking And then the automatic system did it again which while I didnt incur a fee originally every day that its been negative it has it now the fees are totaling over {$100.00} I have to wait till we get paid again on Friday XX/XX/XXXX make that reserve current and not negative