Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are handled

I have about XXXX different federal student loan accounts being managed by Nelnet. Each of these loan accounts is a different agreement with a different interest rate. For about 6 months, I have been making payments for more than the minimum required amount. With the amount that is in excess of the required, Nelnet has not been applying these funds to the loan account with highest interest rate to help me pay down my faster. They have instead been distributing it across all the loans, some with significantly lower interest rate than others. This practice is not in the best interest of the students. Why would a student want to pay down a loan that has interest rate 5 %, before paying down a loan with interest rate of 8 %? 

As is the law and practice of a credit card company, the balance bucket with highest interest rate must have payment funds applied first. If a credit card company is obligated to do what is in the consumers best interest, with respect to repayment allocation, the government and student loan services should also be obligated to do what is in the students best interest.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

fraud charge by XXXX and XXXX {$1000.00} i terminated all services .... XX/XX/2019 the manually entered my acct number for XXXX this is fraud ... issue credit and interest charges due to fraud,
Complaint sub-issue: Other problem getting your report or credit score

Dear CFPB - 3 Companies involved! 


1 XXXX 2 XXXX 3 XXXX  XXXX XXXX ( XXXX ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said XXXX was the credit bureau that was involved. 

They failed to provide my XXXX report. 


- They also failed to provide a proper phone # for XXXX. The # that was provided had a serious problem. 

- The last 3 digits of that # were the short code for dialing a swat team in an emergency! 

- If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. 

- It would accidentally lead to SWAT Teams being deployed! 


- A lot of safety problems with that! 

- I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. 

Please send reply to my paper mail address! 

- XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Complaint sub-issue: Keep getting calls about my loan

I was a student at XXXX XXXX when it closed without notice. Now AsFg is threatening me altonapy back loans. When I started I was told I needed these loans to cover the cost and then found out during this process that this was not true. I had enough federal funds to cover and then some. They used unlawful tactics to gain access to this money on which I now am being harassed to pay back. The business practices of XXXX XXXX were unprofessional, unethical and sad to say the least. But now we are talking about straight thief and scamming. I do n't feel that I should suffer with debt that was unlawfully gain with lies and deception. I as a student did what I was ask and was honest. I believed tihe lies and trusted that XXXX XXXX stood on integrity. But I know see that the dishonest acts have left me accountable for the actions of this company. I would like this to be filed as a formal complaint and have this invested for full discharge.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently challenged the validity of XXXX XXXX  # XXXX {$2800.00} XXXX now {$2900.00} XXXX XXXX XXXX XXXX XXXX  {$440.00} # XXXX. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of the ability to properly verify all reported information being accurate. I noticed as a resulting of challenging the accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights is XXXX per violation. 
We also agree with the cogent observation by the fifth circuit that the plain language of the statute places the burden of re- investigation on the consumer reporting agency. See XXXX, 987 F.2d at293. the FCRA evinces congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the Collection and dissemination of credit information. the " grave responsibility, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Complaint sub-issue: Other problem getting your report or credit score

I set up a consumer account at https : //my.equifax.com/membercenter/ # /login, then logged in. It worked fine for a few minutes, then balked, saying I must log in again. Trying to log in again, the website would not accept my credentials that I had recorded in a text document to make sure I knew exactly what they were. 

So, I went through the password reset procedure, which let me set a new password. Again, the website would not let me log in, saying the password was incorrect ( I'm copy-pasting it to make sure it's exactly correct, and testing the paste buffer in a text file to make sure ). 

I called Equifax 's customer service, whet through the many questions used to authenticate the caller, then described the situation to an agent ( " XXXX '' ). She manually triggered a password reset, which had the Equifax system sent me email with a link to set a new password. I followed that link and set a new password, which was then rejected by the website when I tried to log in with it. 

This process went on multiple times, until later in the day an Equifax customer service agent told me I must fax or mail in documents to prove my address ( driver 's license ) and Social Security number. How that would make a difference, I can't imagine -- such copies are easily faked via XXXX or other software. In any case, Equifax 's website software is severely flawed in this regard, their technical password reset solution doesn't work, and their customer service can't help. 

My main goal here is to control the account such that a criminal can't create or access the account masquerading as me. All I want is access to the account that I set up and logged into this morning. Equifax makes it extremely difficult and time-consuming to attempt to resolve the access issue, and provides no indication that they are capable of resolving it.
Complaint sub-issue: Information belongs to someone else

It's been well over 100 days since my first attempt and we'll past 30 days since my most recent to get this account verified. They said they would send me put my initial paper work in the mail and I haven't got anything. They 100 % have my correct address as well because I I everything I could to get this resolved and told them this. I've sent letters including some to the credit buros directly recently and I'm done waiting. SHOW ME MY SIGNATURE WITH ALL DATES SND AMOUNTS OR LEGALLY REMOVE IT. You already took it off my transunion report months ago because you agreed you couldn't verify it, you didn't take the time to do the other 2.
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 

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 XXXX XXXX XXXX XXXX XXXX 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: Not given enough info to verify debt

Hello on XXXX XXXX i woke up to check my credit account and i saw a new collection account was added to my account. Upon further review this indeed was a collection account that was once removed from my credit report was added on again by the same collector without prior notice. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was XXXX/XXXX/17. 

Pursuant to the FCRA, I 'd like to be provided with copies of the certification required for reinsertion for this account. 

Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
XXXX Additional information. As part of, or in addition to, the notice under clause XXXX a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion XXXX a statement that the disputed information has been reinserted ; XXXX XXXX XXXX the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;.... '' I was not so notified. I am disputing this item. I will allow you 15 days to furnish this information, however if you do not provide the information requested, you must delete this account as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. 

Thank you for your time and effort.
Complaint sub-issue: Problem with customer service

As a XXXX veteran rated 100 % by the Department of Veteran Affairs, I've tried 3x 's unsucessfully to discharge a student loan that I co-signed for my daughter in XXXX. Firstmark bank continues to deny my application for discharge, stating that I was rated 100 % one year prior to the loan which is meaningless since they approved the loan in lieu of this known information ( XXXX ). 

By their own stipulations, I did not become eligible for discharge until my rating changed one year AFTER receiving the loan to 100 % PERMANENT AND TOTAL. I have reached out to my local representative for a Congressional Inquiry & was told that the department of education only has jurisdiction over federal student loans not private student loans. Who has jurisdiction over this entity and how can they be legally compelled to abide by the law?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on the XXXX of XXXX i sent letters to all three credit bureaus ( equifax, XXXX  and XXXX ) in regards to inquiries i did not authorize or have any acknowledge to on my credit report. i recently applied for a home through a finacial instituion at which i was denied. i requested a copy of my credit report and found i have over 6 inquiries on my ccredit report. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXXE ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) .I CONTACTED all of the 3 major credit bureaus XXXX XXXX XXXX XXXX equifax XXXX XXXX XXXX that were reporting the inquires. i was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or POLICE REPORT. Along with providing a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people they spoke to. As of today XX/XX/XXXX, i have not gotten any updates or satisfaction so on XX/XX/XXXX, i will repeat the process again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Complaint sub-issue: Their investigation did not fix an error on your report

I do not want a fraud alert, that only hurts the consumer and doesn't protect against anything. 
Three months ago I contacted Equifax, XXXX, and XXXX   concerning unauthorized inquiries, that stem from someone usage or attempted usage from the compromised social security number instituted from the dark web, no accounts were opened but inquiries were listed, Equifax upon contact agreed to remove the ninety one inquiries on Equifax, sixty eight on XXXX, and 51 on XXXX   subject to that correspondence, as of this date, they haven't removed a thing, I just want them to honor their statement and remove the ninety one subjected inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several disputes via certified mail and online, asking for documentation of what this ( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ) debt is, dates and how the balance was calculated. I have received nothing. There is no information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi, I don't recognize these inquiries listed below at all, and I need all of them removed from my credit reports. In Accordance With the Fair Credit Reporting Act the Inquiries listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. 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 an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information is not mine

Several hard inquiries on my credit report from XXXX XXXX to XXXX XXXX 2015. Not used with my permission. Possible identify theft.
Complaint sub-issue: Can't close your account

TIAA-XXXX  has not responded to multiple requests for their trustee-to-trustee transfer form while charging excessive administrative fees. Please provide the appropriate paperwork and clear with my former employer that the account can be transferred and closed. XXXX attempted to request the assets be sent to them but advised that TIAAs form must be completed to accomplish the transfer.
Complaint sub-issue: Debt was result of identity theft

Collection agency XXXX XXXX XXXX has reported a debt on all three of my credit reports in the amount of {$460.00} on XXXX XXXX they also have reported both that its either open or closed. The original debt was purchased by XXXX XXXX, I have never had this cellular service ever. The are also other discrepancies on my credit reports which I am currently disputing.
Complaint sub-issue: Funds not handled or disbursed as instructed

Received several offers from CitiBank for a tiered checking acct. I would receive a {$1500.00} bonus if I opened a checking acct and met terms by holding funds for 60 days or more. I opened the account late XX/XX/XXXX and was told that the funds would be disbursed between XX/XX/XXXX and XXXX XXXX. On XXXX XXXX, I called and it was verified that the terms were met. So, the agent manually entered a release of funds request at that time. On XXXX XXXX, I called again to inquire about the delay and was told that I would not receive the funds as I did not meet their targeted audience. So, a dispute was opened ( XXXX ). Within hours, I received a reply in my secured account saying that I did not qualify because the e-mail offer was sent to my husband. This is outrageous as the offer indicated that this was an exclusive member bonus based on a longstanding credit card account ( ending # XXXX ) that we've held jointly since XXXX. Please note, that there were two online offers. One offer that I kept the e-mail on ( and which I've attached ) was dated in XX/XX/XXXX. Another offer was received a couple of months later with the same terms which ran until mid XXXX. I can no longer find the XXXX e-mail ( Its been over 7 months since I received it ). I didn't feel that I needed to keep all e-mails as I received a welcome confirmation e-mail which also listed the terms and terms and conditions ( also attached ). The terms and conditions state that the account needs to be opened and fully funded between XX/XX/XXXX to XX/XX/XXXX which is exactly what I did. There is nothing in the offer or the confirmation terms and conditions that state that the account could not be opened in my name ( this was done to avoid monthly fees as I'm a senior ), and it appeared difficult to open anything jointly. The money was deposited in good faith and I was never once told that I did not qualify even though I talked to customer service numerous times for fund updates.. At the very least, I should have been notified that I didn't qualify so I could place my money elsewhere where I would have received at least some interest without all the restrictions that CitiBank had on this offer. If I do not receive the bonus, then I essentially gave CitiBank {$200000.00} to hold XXXX for 6 months with no money earned. Since I'm a senior, this is a big loss as my husband are both retired and live off interest to pay our bills. It almost feels that CitiBank has resorted to deceptive practices so they can reject the bonus when it's time to pay out. 

I would like to have someone look into the Citibank tiered checking offer. Online complaints about Citibank indicate that I'm not the first customer that they misled like this. If nothing further happens, I may seek a class action lawsuit as this seems to be a common practice with CitiBank
Complaint sub-issue: Their investigation did not fix an error on your report

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have sent several CERTIFIED letters to Equifax disputing unauthorized inquiries. They keep asking for proof of ID which they already have on file! This is very frustrating because the other bureaus have responded and removed all of the unauthorized inquiries as requested! 
Equifax keeps stalling and playing games with consumers! Asking me for silly proof of ID which they already HAVE!!
Complaint sub-issue: Their investigation did not fix an error on your report

I'm submitting this complaint in response to the Credit Bureaus ' most recent investigation. Their conclusions do not hold water with me, and I demand complete accuracy. I am now requesting additional information from the Credit Bureau about these specific accounts in question since I am not confident that enough was done to genuinely contact the creditors who are reporting these inaccurate information on my report. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report includes the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXX XXXX  XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 XXXX
Complaint sub-issue: No notice of investigation status/result

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that i have disputed. Please resolve this manner as soon as possible. Thank you.