Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem lowering your monthly payments

Sallie Mae is making it extremely difficult to enter a repayment plan for my student loans causing undue stress and financial hardship. I began repaying my student loans, in full, 6 months after I graduated. I was an entry level employee with the federal government and lived at home with my parents. Even then, my total student loan payments were causing financial burdens. I inquired about repayment plans and was told I should try to lower my interest rates by activating automatic payments. So I did. I didnt see much of a change to make them more affordable. That was 3 years ago. I have now farther advanced in my career, in the field of which I studied in school, and my job became more demanding so I had to make geographical relocations and take on more financial responsibilities. Even though this was even more of a financial adjustment than previously, I continued to try to pay my student loans and was able to enter an income-driven repayment plan with my XXXX student loans. I inquired about income -driven, or any, repayment plans/options Sallie Mae offered and I was told my only choices were to now defer my loans, ask a co-signer, or consider filing bankruptcy. I was forced into deferring my loans. Sallie Mae explained they would only allow me to put my student loans into forbearance for 12 months, for the lifetime of the loan. I would accrue interest during that time. After watching my principal balance increase drastically in just a few months, I decided to inquire about repayment options again and cancel my forbearance period. They told me the only way I could even be considered for a repayment plan would be to allow my loans to become delinquent. I called multiple times to speak to someone about this and they all advised me to do the same thing. So, ultimately this company wants you to allow your financial situation to get worse, have your credit score take a hit, on top of cause undue stress, just to enter a repayment program. Making someone pay {$1400.00} a month for private student loans when they make less than {$2500.00} a month is robbery. Their representatives are very unhelpful and it seems as if that is this companies motive. I know they allow them to say certain things and tell them not to offer/say certain things. This is an extremely unethical way of conducting business and as a large stake holder in student loan debt in America, the federal government should hold companies such as these to higher standards. Especially for the greater good of the American people that simply wanted to afford a better life by going to college.
Complaint sub-issue: Account status incorrect

CFPB I am writing again do to Elain Financial Services none compliance with the Fair Credit Reporting Act and violation of the FCRA after I have provided them with as requested supporting documentation multiple times for a error with my XXXX payment. Elain Financial Services has fail to remove inaccurate information on my account for the XXXX due to and error in the system not caused by me. I am not sure how this error happened or occurred. Its not right or fair that I continue to be penalized for this error that has occurred on my account. I have provided as requested by Elain Financial Services proof of my Citizens Bank Checking account statements clearly showing payments made and received on time to Elain Financial Services for XXXX, 2020. Elain Financial Services stated in their response to me that my payment was returned from Citizens Bank CFPB I have provided supporting Citizens Bank statements clearly showing payment made and received on time to Elain Financial Services for XXXX. CFPB please note that my Citizens Bank statements clearly dont show any returned payments to Elain Financial Services for XXXX. For this dispute I have provided additional to Elain Financial Services from the same Citizens Bank account for XXXX, 2020 to show that their was not returned payment to Elain Financial Services for XXXX. CFPB please also note the balance for XXXX in my Citizens Bank checking account for XXXX, 2020 which I have highlighted and circle {$12000.00} and a balance of {$14000.00} for the month of XXXX. As you can see there was more than sufficient funds in my Citizens Bank to cover my payments to ensure no payments returned to Elain Financial Services for XXXX. Again this was and error in the system and should be corrected immediately. 

CFPB this not right or fair that I continue to be penalize for and error that I dont cause, its also not right that Elain Financial Services continue to not correct this error. I have been a happy customer with Elain Financial Services for over seven years and have never missed a payment with this account.
Complaint sub-issue: Their investigation did not fix an error on your report

After submitting my complaint about an item falsely placed on my credit report on XX/XX/2018. Equifax removed the item and replaced it with the same item reported earlier by another collection agency that had sold the item to the agency that they removed. My previous complaint showed that I have no accounts in collections from XXXX XXXX XXXX XXXX.
Complaint sub-issue: Problem getting report or credit score

Equifax Office XXXX XXXX XXXX, GA XXXXFax number XXXX XXXX ( once you reach an agent ask to transfer to office XXXX ) I was nastily informed that the Office XXXX made a " in house decision '' that without my consent they had the right to house my credit file and put an alert on there to freeze my credit report without my permission and not disclose any information to me as to why they did it. I received no notification via mail. I was advised that no creditor of my choosing will view or pull my report unless they call a XXXX number first. I did not authorize this. I received many run around and faxed much documents but no avail. I want my credit file with no Fraud Alerts and no freeze and to be open and Available for viewing at any time not just 24-48 hours then re-locked. I informed them I am not the victim of identity theft after verifying much information. but no avail. I was rudely informed by Equifax Office XXXX that my file is with them " indefinitely " I was advised of many different things by different agents in that department of Equifax which is very inconsistent. As a consumer I am very angry and unsatisfied with how I am treated. I do not want my credit being handled by this department of Equifax. I ask that they follow the LAW guidelines of The Federal trade Commission and not there own.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a XXXX fridge and freezer French door from Sears. During the Hurricane Irma I panicked and left, I found out when I got back I forgot to clean out my fridge and freezer and that the area has been with out electricity for over a week. Many did not evacuate and cleaned it out within hours. I 've tried multiple ways to clean it out but coffee grounds to soak up the microbial infectious XXXX left. I called Sears and argued with them to come and clean it because I still owe them several thousand on the credit card I 'm paying high interest on and I saw the Sears Outlet refurbished fridges and sold for over {$800.00} ; whereas new fridges are several thousand dollars. Monday XX/XX/XXXX, I had a technician come out that refused to take a part areas that had screws and tabs in it. I called numerous times and was directed to several other countries personnel instead of local people. I was scheduled for an appointment, that no one showed and then again today. Today 's told me " maybe '' I could do this or that but most likely I need a new fridge. That I could try to pressure wash it and let it dry for several days or use coffee grounds. I also forgot important medicine in it, where the XX/XX/XXXXgot into the bottle and after XX/XX/XXXX made me XX/XX/XXXX worse than the exorcist and have the worst XX/XX/XXXX like symptoms since. I 've been forced to go out in public to eat and get supplies and may be contagious with some kind of XX/XX/XXXX and was given weak antibiotics by the Veterans Affairs hospital for XX/XX/XXXX like symptoms. These symptoms are worse than any XX/XX/XXXX I 've ever had and could probably XXXX people. I 've been wearing the mask except when eating and then noticed others whom were working coughing, both wet and dry coughs. I understand I panicked but now I 'm very ill and I am not the only one. I may have also been ill prior to leaving because someone speaking to me spit in my eye accidentally. I 've scheduled a request forXX/XX/XXXX and to be seen again by my doctor but need to wait until I get less sick as I believe these symptoms could XXXX  certain individuals like children and seniors. I may have also forgotten to wear my mask at some places. Please contact appropriate medical staff for this, because there was several hurricanes and Puerto Rico will be without electric for months. I care a lot, I 'm just not educated enough.
Complaint sub-issue: Information belongs to someone else

I have disputed this information with this creditor multiple times and they have not shown how they have verified this account. I have asked for original documentation XXXX a consumer contract with my signature on it. ) You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. They have continued to report this on my credit file without providing verification. If they can not produce these documents they need to be deleted immediately. This information is only being reported to XXXX bureau and has been deleted from other because they were not able to validate. The same thing needs to happen here.
Complaint sub-issue: Debt was result of identity theft

RMB is reporting a debt in the amount of XXXX on my credit reports. I did not authorize this account nor do I accept responsibility for this debt because it is a result of identity theft. I have disputed this debt with the credit bureaus and have sent the police report but they still continue to report this account which is very damaging to my XXXX XXXX.
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a Visa Debit card ( U.S. Bank ReliaCard ) from USBank for unemployment benefits. I am not on unemployment and received this card in error. It came attached to a Welcome letter and instructions on activating the card. I tried calling the number on the card and they basically say due to covid there is a delay in response. My thought is to cut the card up ; but, this needs to be reported so these mistakes don't keep happening and people do not use funds fraudulently. 
Thank you, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX  {$3400.00} XXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts . I didn't receive a response from the agencies regarding these accounts.
Complaint sub-issue: Debt was result of identity theft

Ive called this company several times to settle this debt which doesnt belong to me and they continue to try to get more then 50 % of the balance. I have disputed this account several times with XXXX and they have yet to remove it. This is not my debt and I want it removed off my report.
Complaint sub-issue: Account terms

In late XXXX we signed up for XXXX auto pay program. We checked the website and it stated account was indeed on auto pay. We later learned we were not on auto pay, they failed to process our request. The representative I spoke to said she saw our request ; " it just didnt process ''. She instructed us to make a payment ASAP, which we did ( we later learned we should have paid XXXX payments ). This error caused XXXX late payments, the XXXX and XXXX due to their telling us to pay only XXXX payment. XXXX reported negative info to the credit bureaus. 
In XXXX of XXXX we checked our credit report and noticed they negative reporting. We wrote a letter to XXXX asking for the negative information to be removed. To support this we added auto pay again, to assure timely payments. The auto pay program was confirmed. However, based on the past, we watched our account for the deduction. When the payment was not pulled, we made an online payment. Later, they finally got around to taking the payment. XXXX XXXX received our letter asking for the information to be removed and they refused. I appealed that decision, they declined again. I called the executive offices of XXXX XXXX and they refused as well after reviewing the file. XXXX XXXX claims that any change of credit reporting is subject to rules set by their portfolio manager XXXX XXXX. Their decision was based on not having enough web footprints proving my story. They found some activity confirming me story, but, not enough. They made XXXX mistakes causing this problem. I have to pay late charges and fees. On top of it all, they ruin my credit report on a {$200.00} balance. My new mortgage is on the line.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00}
Complaint sub-issue: Information belongs to someone else

Information is inaccurate and incomplete. Inaccurate account type, reflects incorrect date opened dates, and reflects inaccurate payment. They dont have permission to report it. Please see attached documents and remove.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed a few inquiries on my report I do not recognize
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX the XXXX XXXX XXXX flagged my credit report with XXXX debt which is out of network and I was not notified. 
This is a violation of my rights of the No Surprise Act of 2021
Complaint sub-issue: Not disclosed as an attempt to collect

I was suppose to move to Iowa and I did n't due to no XXXX i return the keys and the landlord is saying I did n't the power and everything was turned off in my name and I did n't know anything about this being on my credit till last year I didnt receive a notice or anything
Complaint sub-issue: Investigation took more than 30 days

I disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX/XXXX,XXXX XXXX XXXX XXXX.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) .as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Complaint sub-issue: Old information reappears or never goes away

XX/XX/2018 On XX/XX/2018, I was in a car dealership buying a new car and I had to called Equifax to request that they do a temporary release of my credit report freeze. 

Please note my complaint is not directed toward the agents that I spoke to at Equifax, my complaint is against the companys management and the ridiculous questions asked to have my credit freeze release. 

The first agent that I spoke to wanted to know the name of my credit card and the balance on my credit cards from ( 5 ) years ago. I asked if they could give me the name of the credit card company, so I could give them the status of that account, which in all cases where paid in full, they would not provide that information. 

I tried to explain to the agent that it was impossible for me to answer that question, especially since I was in a car dealership without the benefit of my credit report in hand. 

Also, the thing that really got me upset was that from the very beginning of our conversation the agent must have been in an open office with other agents and the background noise was so loud that I constantly had to ask the agent to repeat the questions. I know that most large companies use out of the Country agents to provide customer service in the United States. 
Together with the agents accent and the background noise it was extremely difficult to carry on a conversation. I hung up and called a second time. 

My experience with the second agent was the same as with the first agent. However, this time the second agent asked me if I could tell her the name and balance of my credit cards from ( 20 ) years ago. I told her that was impossible. Then I asked to speak with a supervisor. 

I explained to the supervisor my experience with the two agents, and she told me the same thing, I needed to know the name of my credit cards and balances from ( 5 ) and ( 20 ) years ago. Once again, I told her I did not know, so she said I had to mail a letter requesting that my credit freeze be removed. I attempted to reason with her, while sitting in the car dealers show room, but she could not help. 

Consequently, I had to delay the purchase of my new car until I returned home and was able to remove the temporary freeze by going on line to Equifax. 

I understand how important it is to protect our credit information, but my experience with Equifax was not helpful and suggest that the Management of Equifax develop a better way of asking consumers personal credit information that is current and not ( 5 ) and ( 20 ) years old.
Complaint sub-issue: Didn't receive notice of right to dispute

I just received a letter saying that my wages were going to be garnished due to a court judgement. No one notified me about the court case so I wasn't able to defend myself. I didn't even know this was going to court. The company on the letterhead is ADP , LLC. The Attorney is XXXXXXXX XXXX  XXXX XXXX and it says I owe money to XXXX XXXX. They sent a letter to my employer to garnish my wages and I don't even know what this debt was about and didn't know they took it to court.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal.  XX/XX/XXXX), you may be liable for your willful non-compliance.
Complaint sub-issue: Public record information inaccurate

I have sent over 5 letters to Equifax, XXXX, and XXXX - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.