Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Keep getting calls about your loan

My daughter got a loan from Sallie Mae for her student dept. I co-signed with her on these two loans. Total amount of both loans were around {$7500.00}. XXXX XXXX she had a child. Her payment date was around the same time she was preparing to go into the hospital to deliver. Fast forward .... For 3 solid weeks, I have received harassing calls from Sallie Mae ... to the point of having four to six calls a day from three different numbers. I work nights and have to get my rest. i am an XXXX XXXX and work with XXXX that ranges from XXXX volts up to XXXX volts. She was only behind by {$100.00}. I finally got the opportunity to call SM and speak with them. I told them that I was not happy about them putting my life at risk by waking me up four to six times a day for {$100.00}. I sent them a letter back XXXX 2017 time frame requesting them to not call me, that by Ga law if I notify them in writing that my employer does not allow us to take personal calls while at work, they are not to call me. I told them that it is completely unacceptable to endanger my life for {$100.00}. I asked them if they felt my life was only worth {$100.00}? They were extremely rude back and I hung up. I contacted a lawyer on this matter and he advised me to file an official complaint for harassing phone calls against Sallie Mae here.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX   XXXX   XXXX  is on my Equifax report as a closed account that was charged off. It was already removed from Transunion and Experian during the identity theft investigation. I called Equifax to find out why it had n't been removed. They could n't give me an explanation that I was satisfied with. It was removed from the other bureaus back in  XXXX . Please help me remove this negative item that does not belong to me so I can recover my good credit standing. I have been extremely hard to keep my credit good because it effects so many parts of our lives today. Please please please help me with this.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my XXXX. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent them certified letters asking them to remove incorrect info that was placed on my credit report on XX/XX/20 with regards to a XXXX XXXX collection account for {$1200.00} on XX/XX/20 which they signed for on XX/XX/20. I also submitted a complaint through the CFPB Portal on XX/XX/20 because they had violated the Fair Debt Credit Reporting Act and as of today no response from either communication and the incorrect, illegal information is still in my credit file. They had 30 days from receipt to investigate and that time frame has clearly expired.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO XXXX  DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 


WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT IS NOT MINE!!!!!!
Complaint sub-issue: Account status incorrect

XXXX When all bills are paid on time my score never increase XXXX points and when late they decrease XXXX points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid
Complaint sub-issue: Was not notified of investigation status or results

I have incorrect information reporting in my credit reports from XXXX. I disputed the information with XXXX, Equifax, and XXXX on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all XXXX on XX/XX/XXXX and just checked my reports, not XXXX thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # XXXX ).
Complaint sub-issue: Didn't receive terms that were advertised

Citbank {$400.00} promotion.

At Bank : $ XXXX  for 60 days. Promotion will hit on the 90th day after I deposit $ XXXX Phone call @ 90 Day Mark : $ XXXX for 60 days. Promotion will hit on the 90th day after the initial 60 days.

Phone call @ 150 Day Mark : $ XXXX   within first 30 days. $ XXXX for 60 days after the first 30 days. Promotion will hit on the 90th day after the initial 60 days. Then the representative realized she made a mistake and will have to push it to investigation. Someone will get back to me within the next 10 business days.

This is 100 % deception to have people open accounts and keep them open for as long as possible. Willing to enter class action law suit.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX ( equifax ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX  Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal.

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..
Complaint sub-issue: Debt is not mine

XXXX XXXX XXXX has been accusing me of owing this bill for quite some time, I have tried to explain on several occasions that this bill is not mine, that I did not, have not purchased any mobile devices from them at this amount of money. I have consistently DENIED ever having or purchased Anything from them at those cost. I had filed a Identify theft report as to items o my credit report that were not my debt and those were resolve, but that darn at & t are still insisting that I owe this debt. they use to call Every day until I changed the number, I would get bill, the reps. would say to me do n't you want to have good credit, or they would say, what if you decide to buy a house or a car you wont cause your credit will be poor, and some would say you cant just make debt and not pay. but the one rep that told me to prove that I did n't owe the debt was Very disrespectful, and mean for no reason.
Complaint sub-issue: Investigation took more than 30 days

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft. All XXXX being investigated by the XXXX. According to XXXX  XXXX, This information must be blocked immediately until the investigation over.
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 XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00}
Complaint sub-issue: Banking errors

My ATM case number with commerce bank is XXXX On Saturday XX/XX/XXXX at XXXX XXXX  I went to the bank ATM on XXXX XXXX XXXX XXXX, XXXX, KS XXXX. I attempted to deposit {$2100.00} through the ATM machine. The machine gave me an error after it took my cash money and said can not complete transaction please communicate with your financial institution. 
I went to the branch at XXXX XXXX XXXX, XXXX, KS XXXX on Monday XX/XX/XXXX and the representative said they will file an investigation for me, but I had to call in myself to file the investigation. I am in a dire need of the money to pay my bills, and this is unacceptable to have to wait that long without being able to have access to my money due to a machine error that Commerce bank is responsible for
Complaint sub-issue: Problem accessing account

On XX/XX/2021, my checking account with BBVA was converted in a merger with PNC Bank. Prior to the merger, the account was set up for e-Statements. 

After the merger, I stopped receiving any statements, either paper or e-Statements. I am unable to turn on the e-Statement feature in PNC 's online banking ; nor am I able to access my BBVA e-Statement history. 

Thus, PNC has been in violation of Reg E since the merger. They have failed to provide regular account statements in any format, and calls to their support numbers fail to provide any results - I get passed from one person to another, but no one knows how to solve this issue.
Complaint sub-issue: Information belongs to someone else

I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.
Complaint sub-issue: Investigation took more than 30 days

I have disputed a collection account from XXXX XXXX XXXX XXXX XXXX on multiple occasions. The most recent dispute ( confirmation number XXXX ) was filed XX/XX/2021 and the dispute has still not been addressed. This dispute has been open for 60 days and the credit bureau has still not resolved it. A representative, XXXX, from XXXX XXXX XXXX XXXX XXXX, called me directly and advised that they sent an electronic communication to all three credit bureaus on on XX/XX/2021. Both XXXX and XXXX  immediately removed the collection account from my credit file. However, Equifax has yet to remove this from my file per the direct instruction from the collection company, and the dispute regarding this matter remains open. This is causing great harm to my credit and may prevent me from getting the best interest rate while attempting to purchase a home.
Complaint sub-issue: Account status incorrect

I was recently impacted by a declared national emergency. During that time frame I reached out to discover to discuss options as I have never been delinquent on any account. I was set on an plan but was still reported delinquent. My credit shouldve been suspended during the national emergency and the plan shouldve protected my credit also. I have reached out to several emails provided to for the executive office with no response.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a Second written request in writing on XX/XX/2019, to Equifax Information Services LLC, to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of the first investigation. and I still have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails, from  the Equifax credit bureau that the account have been updated and verified. Acct # XXXX XXXX XXXX XXXX {$550.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Accounts come back verified without all paperwork that should make such a case.
Complaint sub-issue: Problem using a debit or ATM card

On Saturday XX/XX/2020, I made a cash deposit at the authorized TCF ATM location at the amount of {$500.00}, one I made the deposit I was expecting to receive a receipt. Instead of receipt the ATM screen said the transaction can not be complete. It did gave me my card back, no receipt, no money, all I got was empty screen with a phrase the transaction can not be complete. 

Reminder I deposited that {$500.00} in cash because I need this money to cover my bills that I already mailed. 

XX/XX/XXXX I made a call to TCF Bank to let them know about what happened, gave them the address oh the ATM, explained that that I need the money deposited as soon as possible, because i have already paid my bills! If I I have known that the ATM was broken I wouldnt use it. The lady told me Ok, the case is open we are gon na investigated XX/XX/XXXX I am calling back TCF Bank to inquire about my money, my bills need to be paid! TCF Bank Representative : We have not updated for you, the investigation is pending XX/XX/XXXX I am calling TCF Bank to inquire about my money, panicked! TCF BANK REPRESENTATIVE : Investigation is still pending, it may take up to 5 business days for us to know something Me : I need to pay bills, I dont have money for insufficient funds! I am not working! TCF BANK : you may have to pay fees when the checks you wrote clear me : But you have my money? I didnt do anything wrong! 

They have stolen my money! What am I to do? I dont have any more money, that XXXX was to cover my bills! Help me please!!!
Complaint sub-issue: Reporting company used your report improperly

Equifax disclosed that a data breach it discovered on XX/XX/XXXX may have impacted as many as 143 million consumers in the United States. Equifax has access to an extraordinary amount of personal and financial data for virtually every American adult. The company says that hackers accessed names, Social Security numbers, birth dates, addresses, some driver 's license numbers, and about 209,000 credit card numbers.
All told, as much as 44 percent of the US population will feel the impact of this breach for years to come, especially when it comes to their Social Security numbers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act convenient XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BETWEEN XXXX AND XXXX, Inquires 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions. I believe this is a fraudulent action that has been made. There has not been any investigation to tied these accounts to me. I have no accounts related to these to hold them under my name or credit report.
Complaint sub-issue: Account information incorrect

Nelnet is reporting inaccurate lat payments on my student loan account. I have called and talked to them several times to try and rectify this situation to no avail. These late payments are affecting my credit score. They are also reporting inconsistent information to the three credit bureaus. I need the late payments removed and the inconsistencies updated.
Complaint sub-issue: Other problem getting your report or credit score

Equifax. com and myequifax.com do not allow me to log in to my account if I don't pay them, when it is free to access, they blocked my account to have access to it, even the basic feature they block me using it such as freezing lock and unlock my credit report, and they only let me access to my credit report or have online access to lock and unlock my credit, only when I pay them monthly membership. I have sent in mails 8 times to verify my identity and they still dont give me free access unless I pay
Complaint sub-issue: Their investigation did not fix an error on your report

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items on my credit report : Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX
Complaint sub-issue: Account information incorrect

I need credit report update XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act The Creditor : XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt was discharged in bankruptcy

Still reported missing payments in XXXX after it was discharged in BK in XXXX
Complaint sub-issue: Account status incorrect

Someone opened a XXXX from XXXX in my name. They then charged on the XXXX XXXX approximately {$100.00}. They have all of my information and they have changed my social security number to their address. The new card was sent to me but I did not open this XXXX XXXX account. I had another XXXX XXXX account which they somehow closed without my permission I guess because I have had an account since 2017. They were able to hack my online account. They also have my husband 's social security and have done the same with him.
Complaint sub-issue: Account status incorrect

XX/XX/XXXXshould not be reporting to Equifax XX/XX/XXXX and XX/XX/XXXX that I am ( 30-60 ) days late on XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XX/XX/XXXX to update my current address which XXXX did not follow through with. I immediately contacted XX/XX/XXXX again when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XX/XX/XXXX When the requested correction to my credit report still hadnt been made, I contacted XX/XX/XXXX again and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XX/XX/XXXX to fix this however, I have not been successful.
Complaint sub-issue: Reporting company used your report improperly

XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY XXXX
Complaint sub-issue: Debt is not yours

I spoke with XXXXXXXX XXXX XXXXXX/XX/2022 and they was unable to provide me with a document with my signature on it. Stated it was for my step daughter. I am no longer married and not sure why this be on my credit. XXXX XXXX reported a XXXX balance on the XXXX of XXXX. Equifax has yet to remove it from my credit report. XXXX collections is sending me a document stating a XXXX balance. But my complaint is with the fact that it is not being reported properly by Equifax.
Complaint sub-issue: Problem making or receiving payments

Some of the transactions on my account are being processed twice. Its very random and not all transactions. For example a transaction posted today for {$46.00} from XXXX and it was subtracted twice from my funds. I had a transaction last week from XXXX last week when I went grocery shopping and it processed twice. My paycheck was deposited today and Im hesitant to pay bills because I do not want to risk the transaction going though twice. Ally bank does not respond to messages.