Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Qualified for a better loan than the one offered

I applied for a student loan with Sallie Mae on XXXX, was approved that same day, and I accepted the loan on XXXX. This loan ( loan 1 ) has an interest rate of 9.250 % and a loan amount of {$7900.00}, During the application process I was approved/offered up to additional {$5000.00} on my loan. 

A few days later, on XXXX I contacted Sallie Mae because I needed additional funds disbursed to the university in which I attend. I contacted Sallie Mae with the express intention of taking advantage of the additional funds offered to me on loan 1, because I only needed {$2100.00}. During this phone call, the Sallie Mae representative insisted that I was not able to increase the funds of my student loan, and coerced me into taking a second separate loan in the amount of {$2100.00}. The interest rate for loan 2 is 9.750 %. 

On XX/XX/2021 I received two email communications from Sallie Mae. These emails stated that I was approved for an additional {$5000.00} funding when I originally applied for the loan and that action was required in order to receive additional funding. 

On XXXX I contacted Sallie Mae by their online customer support chat on their website. During that conversation the Sallie Mae representative continued insisting that they call me and refused to resolve any issues in writing by email, online chat, or other methods. I advised the Sallie Mae representative that they could call me to resolve the issue, but I would insist that the call be recorded and/or any resolution would be put in writing. The Sallie Mae representative advised me that another representative would call me within 48 hours. As of writing, XXXX, I have not been contacted by any representative of Sallie Mae by any form of communication. It is clear to me by Sallie Mae 's refusal to any communication in writing about this issue, their failure to address my concerns during any contact over the past month, and their failure to contact me about my concerns dispute their insistence they do so that Sallie Mae does not want to address this issue.
Complaint sub-issue: Reporting company used your report improperly

My information was compromised due to the Equifax data breach. XXXX shows that my SOC and last name are able to be cross referenced with the data that was stolen during the breach. 

So far, I 've placed fraud alerts on all three major credit reporting bureaus and credit freezes as well for additional security, all of which I have had to pay out of pocket for.
Complaint sub-issue: Application denied

I was denied a credit card by Citibank as a credit-worthy applicant on. This is considered discrimination according to 15 USC 1691 and 12 CFR Part 1002 ( Regulation B ).
Complaint sub-issue: Frequent or repeated calls

I have a XXXX card and never missed or made payments late. My due date is on every XX/XX/XXXXof each month and on XX/XX/18 when I tried to log in to my account to make my payment online as I do every month and I got a message saying that my account was locked for 24 hours. I contacted XXXX to unlock my online access and was unsuccessful. I was transferred several times to different representatives. I then was connected with a representative who introduced himself as XXXX and he introduced himself as a supervisor. I explained that I needed to make my payment since I travel for living and was going to be out of the country on XX/XX/18 and was advised that since my card was expiring in XX/XX/XXXX, a new card had been issued and my online access was locked until I registered the new card. I explained that I had not yet received a new card and needed to make my payment online to print my transaction and he told me that he was going to give me until XX/XX/18 to make my payment and if payment was not received by the XX/XX/XXXX, a late fee would be accessed. I explained to him that I have no control on when I will receive my card and since I have a valid card until the end of XX/XX/XXXX, I should not be locked from my online access and he said the XX/XX/XXXXwould be the date before a late fee would be accessed. I filed complaints with the XXXX  and CFPB and got a call from XXXX in the CEO 's office. I returned her call and she said that she waived the late fee and I advised her that I would make my payment as soon as I can log in to my account. She also said she was sending me a new card, so my old card is no longer valid. I am still waiting for the new card, but started to receive aggressive calls several times a day from the collections department, although my account is only 9 days late. They call and leave a recorded message or simply call and do not leave a message.
Complaint sub-issue: Threatened to sue you for very old debt

XXXX XXXX XXXXave used deceptive collection tactics to try to trick me into paying an allege debt. 

They have also threatened to take a legal action against me in the past. 

I have requested a copy of the original credit card agreement ( with the dispute resolution processes ) from the original creditor but they have refused to send it to me.
Complaint sub-issue: Impersonated an attorney or official

This is a debt that doesnt belong to me I dispute this account on my credit back in 2015 and it was removed. Now its pops back up maybe a month ago so I dispute it again asking for proof of verification. I get an alert that the account has been removed again ok great. But no today I get an alert that this account is back on my credit but now the bill is more then double. This is not my account and they are lying to the credit company ' s which now is affecting my life. They are calling me from different phone numbers.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is now reporting my mortgage payment deliquent 30 days and trying to ruin my credit. We have never been 30 days late. The mortgage for XXXX and XXXX was paid totaling in amount of {$4500.00} on XX/XX/22 by XXXX XXXX XXXX  ohio hafs program. XXXX knows I was approved for XXXX assistance through the XXXX XXXX XXXX XXXX  Ohio program. The money was sent to pay my mortgage in a timely manner but XXXX XXXX has not even added the money to my account. Now they are putting deliquent on my husband and my credit report. I never get anywhere talking to XXXX. No one knows what's going on and they do nothing to help their clients.
Complaint sub-issue: Account status incorrect

I am on a mortgage loan with my ex-husband on a home that we bought when we were married. He lives in the home now and makes the mortgage payments. I am not involved financially at all. The mortgage company changed his payment from {$850.00} to {$870.00} in XXXX of 2018. Since his payments of {$850.00} a month were being debited automatically, he was not aware of the {$20.00} increase per month. By XXXX he was about {$130.00} behind on his payments, not nearly an entire month late. The mortgage company proceeded to report both of us to the credit bureaus as 30+ days late. My score dropped nearly 100 points. I have been working for 20 years to get my credit score close to 800 and now it is ruined. I have sent a letter to the mortgage company explaining all of this and they have not responded. I need assistance with reversing the negative information on my credit report AND removing myself from the mortgage all together. The account has been brought up to date in the meantime. Thank you
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2022 I CALLED XXXX TO REPORT THAT I HAD INACCURATE INFORMATION ON MY CONSUMER REPORT THANKS TO THE WONDERFUL LADY SHE HELPED ME GET RID OF MOST OF THE THINGS ON MY CONSUMER REPORT BUT IM NOT DONE. XXXX GOT RID OF XXXX INQUIRIES THAT WERE SUPPOSED TO BEEN INVESTIGATED WHICH BY LAW MY CONSUMER REPORT IS SUPPOSED TO BE INVESTIGATED WITH FORWARD NOTIFICATION THAT MY CONSUMER REPORT WAS INVESTIGATED. I WANT XXXX TO BE AWARE THAT ALL NEGATIVE REMARKS FOUND ON MY CREDIT REPORT IS A VIOLATION OF THE FCRA AND FDCPA. I AM WILLING TO SETTLE THIS OUT OF COURT. 

DEMANDING {$1000.00} PER INQUIRY REMOVED = {$21000.00} PLUS VIOLATIONS VIOLATED {$1000.00} = {$2000.00} CHARGE OFF XXXX = {$1500.00} XXXX XXXX XXXX. PAY STATUS- SATISFIED XXXX XXXX XXXX. PAY STATUS- SATISFIED, REOPEN CREDIT CARD, INCREASE TO XXXX CREDIT LIMIT SETTLEMENT CHECK {$24000.00} email me at XXXX for mailing address for settlement check XXXX : XXXX WITHOUT PREJUDICE
Complaint sub-issue: Card was charged for something you did not purchase with the card

My wallet was stolen on XX/XX/2019. I started receiving messages about potentially fraudulent transactions while I was driving home from work that evening. When I parked and checked my purse ( approximately XXXX XXXX. that day ), I found that my wallet was missing. I notified my credit card issuers immediately that evening. There were XXXX charges on my Citibank credit card that were initially reversed, but then posted again on XX/XX/2019. These were a charge at the XXXX XXXX in the amount of {$2600.00} and a charge at XXXX in the amount of {$220.00}. I did not incur either of these charges - they resulted from the theft of my wallet. 

I spoke with a fraud investigator from Citibank and also sent them a copy of the police report I had filed with the XXXX Police Department on XX/XX/2019. I was not informed that the charges would be reinstated but found this when reviewing my account information online. The " dispute '' function usually available for transactions was not available for these two transactions.
Complaint sub-issue: Their investigation did not fix an error on your report

In response to the account XXXX  # XXXX, that was deleted from my Equifax Consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights. Such violations have caused my Fico score to drop significantly and has hindered my ability to attain credit products. 

1. This account reappeared on my Equifax report on XX/XX/2021. I have not received any documentation that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion 1. Violation FCRA 611 ( 5 ) ( B ) ( i ) and 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. Violation FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX after XX/XX/2021 and between XX/XX/2021 when the item reappeared. 

Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA if this item is not promptly deleted from my Equifax credit profile. 

I urge that you make Equifax aware of the amount of compensatory damages that I am owed as a result of their negligence and FCRA noncompliant behavior.
Complaint sub-issue: Public record information inaccurate

I wrote the bureaus a letter stating that they have improperly listed information about my bankruptcy. I requested proof of where they obtained the information regarding my XXXX and they responded by informing me that they received this information from the courts. I wrote the courts to confirm whether they furnish this type of information and their response was that they do not. The information listed on my report about my bankruptcy was inaccurately obtained, and inaccurately displayed on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Complaint sub-issue: Other problem getting your report or credit score

I received a letter from Equifax stating I had three negative items added to my credit report last year with a form they stated if I used would expedite receipt of my credit report. I completed the form and returned it using the address on the form they to mail it to. It was returned to me as undeliverable and I still have not received my credit report. 

The address on both the form and the envelope the form was mailed in is : Equifax XXXX XXXX XXXX XXXX, GA XXXX I have since requested my credit report from all three credit reporting agencies and I thought you should be aware of this problem with Equifax given their recent problems. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX I can not copy the documents because I am handicapped and do not have a full time care giver and can not enter the room where the printer is located. 

However, if you will provide me with your postal service I can and will mail them to you.
Complaint sub-issue: Was not notified of investigation status or results

To Whom it may concern my name is XXXX XXXX. I am the person who is filing this complaint on my behalf. On XXXX I sent a letter regarding inaccurate and fairness things on credit report. To this day over 45 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. According to the FCRA Act 15 U.S Code 1692 Truth and Lending ( a ) ( 4 ). It is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Information belongs to someone else

am writing to delete the following inaccurate, contradictory information in my file. The items I deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Complaint sub-issue: Information belongs to someone else

checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights 15 usc 1681 section 602 A states i have a right to privacy. And also 15 usc 1681 604 A section 2 also states a consumer resporting Agency can not furnish a account with out my written permission.
Complaint sub-issue: Trouble with how payments are being handled

I was speaking with a representative after I discovered an error. I used the loan payoff calculator on the XXXX website to pay off the balance of three of my loans. When I checked the next morning there was still a balance. After speaking with them they admitted a mistake and were submitting a request to get the payment reapplied to remove any balance that I had. However that got me thinking, what else have they messed up? 

I called furiously requesting them to review my account in whole which they said takes a while. Only takes 1 day for them to take the money out of my account, how convenient. 

Anyways I called back and started asking about how they calculate interest and how many days are included. Using the sample of my payment on XX/XX/XXXX they said it was 29 days. My last payment had been on XX/XX/XXXX. The employee said I paid 29 days of interest for the XX/XX/XXXX payment and 32 days of interest on my XX/XX/XXXX payment. But insisted that the XXXX wasn't included twice. When you calculate the days, 29 days worth of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX. Additionally, 32 days of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX as well. I believe they are doubling up and adding additional days of interest to each payment received. 

I am going to calculate on my own, but wanted to send this to you just in case you have seen this in the past. 

Hopefully all of this made sense and it wasn't just me rambling for two paragraphs. 

Thanks for the help!
Complaint sub-issue: Account information incorrect

items need to be removed and deleted from credit, inaccurate information is being reported
Complaint sub-issue: Reinserted previously deleted info

EQUIFAX CONTINUES TO NOT FOLLOW THE GUIDELINES SET FORTH BY THE FEDERAL GOVERNMENT IN ACCORDANCE HOW INFORMATION IS REPORTED UNDER THE FCRA/FDCPA/NCFDCPA/ DODD FRANK ACT. EQUIFAX STATED ON XXXX DIFFERENT DISPUTES WITH XXXX XXXX XXXX XXXX STATING THAT THE INFORMATION BELONGED TO MY CONSUMER CREDIT FILE AND ALL INFORMATION WAS VERFIED AS MY ORIGINAL DISPUTE STATED THAT THE INFORMATION WAS NOT BELONGING TO ME. IN XXXX XXXX THE FEDERAL TRADE COMMISION SENT FORWARDED DOCUMENTS TO EQUIFAX FRAUD DEPT TO HAVE THEM REMOVE ANY INQUIRIES AND ACCOUNT INFORMATION FROM REPORTING TO MY FILE FOR FRAUDLENT ACTIVITY AND VIOLATIONS UNDER FCRA. THE INFORMATION WAS REMOVED AND XXXX REPORTED BACK TO MY FILE XX/XX/XXXX. ON XXXX XXXX XXXX LOCAL LAW ENFORCEMENT LAUNCHED AN INVESTIGATION AT THE LOCAL BRANCH AFTER RECIEVING INFORMATION THAT THE ACCOUNTS THAT ARE ON MY CREDIT FILE ARE NOT THE ACCOUNTS THAT ARE IN XXXX XXXX CR REPORTING SYSTEM. AFTER SEVERAL INTERVIEWS AND STATEMENTS FROM XXXX XXXX EMPLOYEES EVEN IN THERE COLLECTION DEPT THE ACCOUNT NUMBERS ON MY CREDIT REPORT ARE NOT IN THERE SYSTEM. LAW ENFORCEMENT FILED A CRIMINAL REPORT AGAINST XXXX XXXX FOR COMMITING FRAUD BY WIRE AND COMPUTER CRIMES OF IDENTITY THEFT. IF EQUIFAX HAD DONE AN INVESTIGATION AND VERFIED THE ACCOUNTS AFTER EQUIFAX STATED IT DID ON SEVERAL OCCASIONS THEY WOULD HAD SEEN THAT THE ACCOUNT NUMBERS DID N'T BELONG TO ME. ALSO ON SEVERAL PHONE CONVERSATIONS WITH XXXX XXXX WHICH SHE STATED SHE PERSONALLY VERIFIED. ITS CLEAR TO SEE THAT SHE DIDNT DO SO AS IF SHE DID IT WOULD NOT HAD BEEN VERIFIED AS BEING CORRECT THIS SHOWS BY PREPONDERANCE OF EVIDENCE THAT WHAT WAS BEING TOLD TO ME WAS BLATANTLY UNTRUE AND A DIRECT CASE OF WHAT I HAVE BEEN TELLING REGULATORY AGENCIES THIS ENTIRE TIME THAT IT HAS NOT BEEN ANY PROPER INVESTIGATIONS OR EVEN REASONABLE ONES. EVERY TIME THAT I ASKED HER TO GIVE THESE CREDITORS A CALLED AS THE INFORMATION WAS CONFLICTING I WAS TOLD BY XXXX XXXX XXXX THAT SHE WILL NOT TAKE THE TIME TO CALL THEM TO GET THE CORRECT INFORMATION. WHICH I COULDNT UNDERSTAND SINCE THE REGULAR AVENUES OF EQUIFAX COULDNT ASSIST AT THE TIME. AND SHE HAD ALL THE RESOURCES TO RECTIFY THE PROBLEM. I INCLUDED A COPY OF THE INVESTIGATION RESULTS SENT TO ME ON XXXX/XXXX/XXXX OUTLINED IN PINK TO SHOW THOSE ACCOUNTS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # XXXX, XXXX Bank # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # 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: Their investigation did not fix an error on your report

Equifax is reporting the following alleged XXXX  debts that have not been validated and updated with the company name or contact information. 
I do not know 1 ) if this is my debt - 2 ) if it is my debt WHO I Owe and where to pay! 
I have already disputed with Equifax multiple times over XXXX - 6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and these type of inaccuracies are unacceptable! 

Account XXXX. XXXX XXXX {$140.00} Account XXXX. XXXX XXXX {$200.00}
Complaint sub-issue: Debt is not yours

The company was asked to verify the debt and refused on multiple occasions, when finally Pro Collect 'provided evidence the debt was valid ' via mail, they mailed me a bill for someone who was not me for an address that was not mine and claim it is valid. They exceeded their 30 day window to provide me evidence and when they finally provided the 'evidence ' they provided a billing ledger for a woman that was not me and is several years older than myself who began renting with them in XX/XX/XXXX when I was still a minor. They are claiming this is evidence the debt is valid, well outside their 30 day window to do so ( which closed on XX/XX/XXXX ). They have no right to collect from me and they are using this as a  stalling tactic. The evidence they claim belongs to a woman that is not me and are outside the window outlined by Ohio statute to provide such evidence. The original debt was claimed on a three bedroom  apartment, which I never rented, and disputed such. All on a recorded line. They have proven that they are collected from me incorrectly for someone else 's debt.
Complaint sub-issue: Problem using a debit or ATM card

I made a XXXX cash deposit on XXXX at XXXX XXXX XXXX XXXX XXXX Va when the atm took my cash and didn't credit it to my account I filed a dispute the claim number is XXXX which I woke up to see my claim was denied I want a full investigation I attach a picture of the receipt showing that I made a deposit I make atm deposit all the times please help and fix my account
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax has 3 Hard Inquiries on my credit report that I did not authorize.

1. ) XXXX ( Misc. ) ( XX/XX/XXXX ) 2. ) XXXX XXXX ( Auto Financing ) ( XX/XX/XXXX ) 3. ) XXXX XXXX ( Automobile Dealers, Old ) ( XX/XX/XXXX )
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I paid off my RV loan with Bank of the West early, on XX/XX/2020 via electronic delivery through XXXX  XXXX XXXX. The funds were received by Bank of the West on XX/XX/XXXX. 

Bank of the West did not process the payment against the loan until XX/XX/2020. At that time, they promised to send the title within 10 business days. As of XX/XX/2020 I have still not received the title. 

I have placed 4 calls to Bank of the West customer service regarding this issue and each time, after a minimum of 50 minutes on hold, I am given a verbal shoulder shrug and told that my paperwork is " in process ''. 

They've had my money for 45 days and I still don't have my title. Please help.