Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't temporarily delay making payments

My XXXX student loan was bought by XXXX. They said they were going to move the student loan over to the XXXX system, and give me a 71 % discount on the loan. I have n't been able to make any payments because I am paying the XXXX student loans. 

It is showing that this loan is going in default, and also that the loan has n't been switched over to XXXX. 

I am filing this to get a deferment so that the XXXX Student loan can be transferred over at the new 71 % discount rate, which would make the loan originally less than XXXX dollars. 

The implementation of the loan onto XXXX 's website has taken so long it has started affecting my credit score. 

I tried to call AES to put the loan on forbearance or deferment but to no avail they will not work with me to do the deferment. 

I need it to be deferred XXXX more months. So the loan can be transferred over to XXXX, and be rolled into the bankruptcy settlement.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account 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: Information belongs to someone else

On XX/XX/XXXX I received a notification of several new hard inquiries on my XXXX, and Equifax credit reports. The inquiries were listed as follows : XXXX reports inquiries from : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Equifax reports one inquiry : XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX After checking my credit reports with both companies, speaking with their consumer service agents, as well as contacting the companies that performed the inquiries, I found that both agencies had incorrect SSN, Name, address, birthdate and other personal information listed on my report. From speaking with XXXX XXXX and XXXX XXXX I learned that the credit checks were performed for the individual whose name, address and SSN have all been erroneously listed on my report. 

I have disputed all of this information with both agencies. 

I have just received official notice from XXXX in the mail today showing the revisions they made due to my dispute, yet the incorrect name is still listed, as are the inquiries. As of now, Equifax has also investigated my dispute and upheld the inquiry as factual, and will not remove it. 

This issue with XXXX has been going on for over five years, as sometime around XXXX I had an extended dispute with them to remove outstanding debt records that belonged to this other person who XXXX keeps reporting on my record. At the time I believed it all to be settled, and hadn't checked back in as there hadn't been any new issues until this month.
Complaint sub-issue: Reporting company used your report improperly

Account has been on my credit report for over 7 years and hasn't dropped off and I want these account removed asap
Complaint sub-issue: Fraudulent loan

Due to my purchased vehicle being damaged and undrivable, I contacted the dealership ( XXXX XXXX ) to activate my gap insurance and trade the car in for another vehicle. During this process, I spoke with XXXX XXXX ( salesman ) and XXXX XXXX ( manager ), employees of XXXX XXXX, who invited me to the dealership to pick a new car and workout a new deal. So, I secured a ride on Sunday XX/XX/2022, to visit the dealership. After test driving a few cars, I picked the one I wanted and was told that arrangements will be made for that Tuesday XX/XX/2022 ( because Monday was XXXX XXXX ), to have a mechanic from the dealership go inspect the car and possibly fix it, or have it towed back to the dealership. Unfortunately, it rained the day of pickup and the day after, so they canceled the pickup arrangement due to safety concerns. Since then, it has been difficult to reach anyone from the dealership to confirm a new pickup day for the car. I informed Ally Financial of my dire situation, that I am handicap and need the car for daily transport to and from work to maintain my employment, hoping they would help, but they just told me to contact the dealership. So, I again reached out to the dealership for a solution, and I finally received a call on XX/XX/2022, from a XXXX XXXX named XXXX, who said she was authorized to offer a {$1000.00} for the car, which would have voided my gap insurance ( per the contract ) and I would still owe Ally Financial Inc the balance of the total car amount, plus will still have to buy another car. That solution just was not adequate and completely unfair to me. This led me to re-review my contract to see if there was a warranty or something that I could enforce on the car. I noticed there were some TILA ( Truth in Lending Act ) and Consumer Bill of Rights violations committed by XXXX XXXX that voids the terms of our Retail Installment Contract. According to the contract, a written certification that the car was in safe & working condition at the time of purchase is required by NY State Law, but none was provided. This certification was supposed to be a guarantee that the car is in safe & working condition, and the dealership would be held responsible for repairs or pay in full for repairs of any unsafe condition in the car. But because no such certification was given to prove the car was in safe & working condition, they are still liable for remedy according to the contract. 

I sent letters to both Ally and XXXX to rectify the situation, but they have yet to respond to my 14 day deadline, and it's now been 30 days without a response. So I accept their silence as agreement to my demands and voidance of the contract.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Each time I would contact the Sallie Mae staff about my private student loans, I was told assistance options were not available. 

I was looking for option to consolidate or reduce payments similar to my federal loans. ( consolidated and placed on an income-driven-repayment plan ) My payments with Sallie Mae were roughly {$700.00}, that I was unable to afford based on my take-home pay of roughly $ 25K. 

Therefore I was not making payments on my loans since repayment options were not available. My loans have now gone into default. 

I have been dealing with a rather patronizing account manager who again told me that dropping my payments are not an option. Even though I told him a reduced payment of {$300.00} is not feasible with my pay. He explained that I needed to provide him the dollar amount and not assume he would provide me with a number. 

My cosigner is involved in this serious matter and I hope to rectify it, and not have this tarnish his life as much as it is effecting mine.
Complaint sub-issue: Investigation took more than 30 days

I have unauthorized inquiries on my credit report. I also have items that are not my that are due to identity theft and as the credit agency to validate and they have not it has been over 30 days.
Complaint sub-issue: Personal information

There is a new address for me listed on the Equifax report. It 's show XXXX, Arizona. I have never lived in Arizona. This address is blatantly an error.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX reporting to Equifax credit card account not belongs to me, this same account i was disputed and removed in 2020 and now XXXX reporting again the same.
Complaint sub-issue: Not given enough info to verify debt

I have not had XXXX in over 8-9 years, this collection agency has it listed on my credit file and it is over the statute of limitations and can not validate this. Please help
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX - I sent a dispute to Lexis Nexis advising of incorrect Bankruptcy information. According to my research they are under the FCRA rules ; thus, they have violated the 30 day response. I contacted Lexis Nexis via phone around the first week of XX/XX/XXXX to inquiry about the dispute and I was told the dispute was still under review. I advised the CSR that the time for response is past -due ; thus, the incorrect information has to be deleted. As of today XX/XX/2018 : I still have not received a response and they are in violation of the FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( XXXX, Equifax ) claim they can not remove an unauthorized inquiry from my account.
Complaint sub-issue: Information belongs to someone else

Vance and Huffman I have never dealt with this company and have not had any lease accounts in my name. I have been in a totally different state. The information came from identity theft.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit through XXXX XXXX and noticed a drop of over 50 points. I was looking to see what caused this and noticed that Discover Financial did a hard inquiry yesterdayXX/XX/XXXX without my consent. I have a credit card, a personal loan, and a student loan with them, but I pay them automatically so I have no late payments and the credit card is actually at {$0.00} balance. I am not sure if this was a mistake on their part, but I also don't know which part of the 3 Discover could have done it ( I have to log in to 3 different websites so I think they are all somewhat independent ). Can you please help me?
Complaint sub-issue: Information belongs to someone else

I received an alert that a new account showed up on my credit report for a loan that I have never applied for and don't want this on my credit report or want it to lower my credit scores being I never have applied for a loan with XXXX XXXX XXXX
Complaint sub-issue: Other problem

Ive carried several Citibank credit cards for years and have never missed a payment. My balances are high relative to the card limits. This has negatively impacted my credit scores. Therefore I have been working to reduce the proportion of credit used. However, the company has suddenly reduced the limit on each card even though I have not been late on any payments. This counteracts all my efforts to reduce the proportion of credit used. It seems shocking that they would do this in the midst of the epidemic. Is this legal?
Complaint sub-issue: Information belongs to someone else

U S DEPT OF EDXXXX {$5500.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX C C C - - - - - - - - - XXXX C C C C C C C C C C C - XXXX - - - - - C C C C C C C C Collection - Data Unavailable
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit act account # XXXX XXXX AUTO has violated my rights. The late payment reporting date XX/XX/2021 is inaccurate.I never made late payments. During covid a lot of peoples info was mixed up .It needs to be deleted.also inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. During Covid the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this debt with credit bureaus numerous times and requested proof of investigation. The credit bureau respond that they have investigated, however offer no proof that the debt that I dispute is accurate. I do not nor have I ever done business with XXXX XXXX, however they are listing a debt on my credit report that I have disputed several times.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX I got noticed a collection was placed on my account by Enhanced Recovery located @ XXXX XXXX XXXX XXXX Florida XXXX phone number XXXX Now the debt they reported was inaccurate and they reported that I opened a XXXX    account on XX/XX/XXXX, however this debt is 7 years old on XX/XX/XXXX they intentionally reported old past due amount as new, collection accounts is considered a continuation of the orginal debt, I'm fully aware that it is a violation to do this and they sent this into XXXX  credit bureau knowing this is false and misleading information, I contacted the credit bureau and they agreed that this doubt is 7 years old and should not be reported. 
Debt due to fall of XX/XX/XXXX Placed on my credit on XX/XX/XXXX Date orginally opened on XX/XX/XXXX Collection company stated dated open XX/XX/XXXX Violation as this is falsefied information to be able to get it placed on my credit bureau.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

EXPERIENCED ISSUES WITH THE PENNSYLVANIA UNEMPLOYMENT DEBIT CARD I HAVE WITH RELIACARD AND U.S. BANK. MOST RECENTLY, THEY HAVE NOT REFUNDED A CHARGE FOR {$1100.00} WHICH WAS MISTAKENLY MADE BY XXXX XXXX XXXX XXXXXXXX. WHILE ATTEMPTING A GOOD FAITH PAYMENT OF {$100.00}, XXXX XXXX CHARGED MY RELIACARD FOR THE AMOUNT OF {$1100.00}, THIS OCCURRED ON XX/XX/21. I IMMEDIATELY CALLED XXXX XXXX AND WHILE THEY ACKNOWLEDGED THEIR MISTAKE, THEY REFUSED TO CANCEL THE CHARGE AND I HAVE FILED A COMPLAINT WITH THE PENNSYLVANIA PUBLIC UTILITIES COMMISSION. AFTER CONTACTING XXXX XXXX, I CALLED RELIACARD CUSTOMER SERVICES. THEY KEPT SWITCHING ME TO DIFFERENT REPRESENTATIVES AND THE LAST ONE I TALKED TO SAID HE COULD NOT REFUND THE {$1100.00} EVEN THOUGH THEY DID NOT EVEN ATTEMPT TO CONTACT XXXX XXXX WHO COULD HAVE CONFIRMED THEIR BIG DOLLAR MISTAKE. THE REP SAID THE RELIACARD ESCALATION TEAM WOULD REVIEW THE SITUATION AND POSSIBLY REFUND THE $ XXXX WITHIN 5-10 BUSINESS DAYS. I FIND THIS TO BE AN OUTRAGEOUS SITUATION AND ONE THAT IS VERY LIKELY ILLEGAL AND SHOULD BE IF IT IS NOT. I AM A XXXX XXXX XXXX XXXX XXXX RECIPIENT WHO WILL PROBABLY NOT BE ABLE TO PAY MY BILLS INCLUDING RENT WHICH COULD LEAD TO POSSIBLE EVICTION AND MY UTILITY BILLS WHICH COULD LEAD TO SHUTOFF ( S ) THIS IS NOT MY FIRST PROBLEM WITH RELIACARD CUSTOMER SERVICE. ON XX/XX/21 AND XX/XX/21, I WAS UNABLE TO USE MY CARD FOR THREE DIFFERENT TRANSACTIONS EVEN THOUGH I HAD AT LEAST {$900.00} IN MY ACCOUNT. BY THE WAY, I AM CURRENTLY DOWN TO {$6.00} DUE TO THE MISSING {$1100.00}. I CALLED CUSTOMER SERVICE AND THEY SAID THE CARD WAS LOCKED DUE TO A POSSIBLE FRAUD INVESTIGATION EVEN THOUGH THERE HAD BEEN ABSOLUTELY NO SUSPICIOUS ACTIVITY ON MY CARD. THEY SAID THAT WAS NOT ENOUGH TO UNLOCK MY CARD AND TEXTED ME THAT I NEEDED TO VERIFY MY IDENTITY. I DID SO WITHIN MINUTES BY SUBMITTING A PHOTO OF MY DRIVERS LICENSE AND A REQUESTED SELFIE BUT MY CARD REMAIN LOCKED. WHEN I CALLED CUSTOMER SERVICE AGAIN, I WAS TOLD IT WOULD TAKE 48 HOURS TO UNLOCK MY CARD SO I MISSED SOME BILL PAYMENTS, RECEIVED SOME LATE FEES AND WAS UNABLE TO BUY GROCERIES ETC. WITH THE CARD. I AM NOT THAT TECH-SAVVY BUT THEIR COMPUTERS COULD HAVE VERIFIED MY IDENTITY IMMEDIATELY. I FEEL THAT RELIACARD IS DESPICABLE WITH THESE KINDS OF INCIDENTS AND WHATEVER THEIR RELATIONSHIP IS WITH U.S. BANK, THAT APPEARS TO BE A POSSIBLE CULTURE OF SCAMS LIKE THESE.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed the entirety of my personal information as it regards to credit to become public knowledge. I did not authorize my information to be shared with anyone -- let alone the general public.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX  XXXX, TX XXXX XXXX : XXXX DOB XX/XX/1980 Equifax XXXX. XXXX XXXX, GA XXXX To Whom It May Concern, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave EQUIFAX any written consent to report anything on my consumer report. 
No consent is Identity Theft. A copy of the law is attached with this dispute letter. 
Concerning the accounts listed below as a consumer Im demanding deletion of these accounts. 
XXXX -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- Account Number XXXX XXXX XXXX XXXX -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- -- -- -- -Account XXXX XXXX XXXX  -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- Account Number XXXX XXXX -- -- -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -- -- -- -Account NumberXXXX XXXX XXXX -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -Account NumberXXXX
Complaint sub-issue: Account status

XXXX XXXX is reporting a collection account to Equifax that is incorrect. 

Per my credit report Account was opened XXXX/XXXX/XXXX, Date of Last Payment was XXXX, Date of XXXX Delinquency was XXXX, Date of XXXX Delinquency first reported was XXXX. 
On XXXX/XXXX/XXXX I submitted a dispute to Equifax to investigate. In my dispute I stated I did not owe a balance to them, as well as the information that is being reported is incorrect. If in fact my last payment was XXXX, then it would be impossible for my XXXX Delinquency to be XXXX, which is 26 months after the alleged last payment was made. 
The results of my dispute to Equifax state they have verified the information is correct, however it is blatantly obvious it is not correct and I would hope this would be removed from my credit report immediately, as it has caused adverse consequences in preventing me from obtaining credit and caused an unjust financial burden.
Complaint sub-issue: Debt is not mine

XXXX sold me a prepaid phone plan. I called to cancel the service, but they continued my service and continued to bill me. XXXX is aware of the problem. 

Furthermore, I attempted to contact Jefferson Capital Systems by telephone at XXXX on Friday XXXX/XXXX/2016, and their phone number said to call during normal business hours.
Complaint sub-issue: Denied request to lower payments

Hello, I am reaching out to Ally Auto and submitting this complaint because I believe that there is a failure of the credit reporting system due to medical emergencies that has created an unjust issue for me. This past year I unfortunately battled multiple health issues. Long term XXXX and XXXX XXXX. Because of this I have been hospitalized twice for weeks at a time. During my last hospitalization I was unable to contact Ally Auto to make my monthly payment. This resulted in a 30 day late on my account and credit report for XX/XX/2022. Once I recovered and returned home, I was able to get caught up on my payments. I am reaching out for a goodwill gesture to forgive this late payment. It would mean the world to me. I am currently trying to live with the tremendous toll that XXXX has had on me personally and the health issues it has left me with.
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent XXXX XXXX {$960.00} XXXX XXXX {$440.00} XXXX XXXX {$540.00} XXXX XXXX {$4600.00} XXXX {$1700.00} XXXX XXXX {$220.00} XXXX XXXX {$77.00} XXXX   {$150.00} XXXX XXXX  {$690.00} XXXX XXXX {$590.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} TXXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$53.00}
Complaint sub-issue: Threatened to sue you for very old debt

XXXX XXXX XXXX was contacted by XXXX XXXX finance regarding a balance owed on old car loan. Car was repossessed in XX/XX/XXXX and sold at auction XX/XX/XXXX. We received a letter stating it was being sold at auction, letter stated if there was a balance remaining we would be notified by mail. No contact was made by any means until XXXX of XXXX when court hearing paperwork was received by XXXX. XXXX, paperwork had court date listed and was addressed to him and myself. After several attempts to contact the company in question ( rausch and Strum ) I was told that all the agents available had no information on the debt only that it was representing XXXX and the amount owed was over XXXX dollars. I requested company send me all information on debt multiple times and was unable to obtain this information before the said court date. Court date was rescheduled. After reviewing the information the agency had I reached out to them to inform them that the debt in question was over 6 years old and the statute of limitations in the state of Oklahoma is 5 years. The agency has since stopped calling or sending mail but a new attorney is now listed on the new court date where they are trying to obtain garnishment. I do not owe this debt but if I did owe this debt it is barred by the statute of limitations and this agency is not within the legal time frame to sue for judgement.