Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Application denied

Case number XXXX. Applied for a UBS Visa XXXX card in XX/XX/XXXX. Completed the paperwork and it was received XX/XX/XXXX. Then I got a letter third week of XXXX asking me to send copy of drivers license or utility bill on my name. I sent both and it was received XX/XX/XXXX. Then I called several times for an update. I was finally told on XX/XX/XXXX that the copy of the drivers license was not legible, even though I sent utility bill on my name as well. I sent them by email. I called several times after that and they confirmed they were received. Today I was informed my application was denied and the person on the phone told me I had to wait for the letter to know the reason. I have good credit, good income and good net worth. This has been the most difficult company Ive done business with, and Im unsure why they treat prospective clients this way.
Complaint sub-issue: Charged too much interest

Hello - I have a promotional APR on my account that expires on XX/XX/2019. However, I was still charged {$12.00} in interest for my last statement and I'm not sure why. Can I waive this interest and get an explanation on why I'm getting it so I can avoid it in the future? Thanks!
Complaint sub-issue: Reporting company used your report improperly

I mailed out a dispute on XXXX XXXX to credit reporting agencies about inaccurate information reporting on my consumer report. After 30days I received no response called the agency and was told by the rep they did not received the mail. I have proof of the certified delivery. I feel this is an attempt to not resolve my complaint which is failure to comply to my request. In accordance with the Fair Credit Reprting Act the you are in violation of 15 US Code 1681 section 604A states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal law overrides your company policy and I never gave you permission. 

XXXX # XXXX delete account XXXX  Account # XXXX delete account XXXX Account # XXXX delete account Inquiry XXXX XX/XX/20 delete
Complaint sub-issue: Investigation took more than 30 days

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Complaint sub-issue: Investigation took more than 30 days

Equifax had a breech of security early in the year and failed to notify the public. I now have my information on the dark web. I have had my XXXX card compromised even though I had the card on my person including my identity was stolen. They were able to obtain my address, cell phone, address, account number with the security code on my XXXX. I just recently had my email attacked and XXXX shut it down for an entire afternoon for suspicious activity. I am a XXXX and my cell and email are my business!
Complaint sub-issue: Account information incorrect

I had an auto lease with XXXX XXXX XXXX they are a division of the XXXX XXXX XXXX that was just found to provide inaccurate info on credit reports. I paid my lease in full, as the document I uploaded shows. When the pandemic started in XX/XX/XXXX, I called XXXX to ask what to do if everything shuts down before XX/XX/XXXX when my lease ended. They told me that as long as all my payments are made, I can bring the car back to the leasing dealer " anytime before XX/XX/XXXX without penalty '' or that I could keep the car until things open back up and continue to pay monthly payments. I opted to bring the car in on or about XX/XX/XXXX just before NY state shut down for about 18 months. In XX/XX/XXXX ( letter also uploaded ) XXXX contacted me stating that I had terminated my lease early and was being penalized. I responded ( letter uploaded ) explaining what I stated above. I thought the issue was resolved as I heard nothing else from them. In XX/XX/XXXX, I attempted to get a new mortgage and learned that XXXX has started identifying my CLOSED account as delinquent. I have attempted to dispute this with each of the 3 credit bureaus to no avail. I have written XXXX letters to XXXX since discovering this credit report issue. They have not responded. I have tried to call XXXX but get hung up on after several transfers. I do not know what to do and am now in a position of them damaging my credit. I have NEVER defaulted on any payment in my life. The power that both XXXX and the credit bureaus have to dictate my credit with lies is completely unfair. I have no ability to fix this on my own and need assistance.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX XXXX. Balance : {$220.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Attempted to use XXXX ( and Citicard ) to make hotel reservation at XXXX XXXX, XXXX XXXX Oregon XX/XX/XXXX. Upon arrival no reservation had been made. I spent XXXX minutes trying to call XXXX to no avail, no response, no help from XXXX. XXXX XXXX clerk was very helpful and said he frequently noticed problems with XXXX. So we used our Citicard XXXX to pay for room. After receiving our next card statement we noticed 2 identical charges for {$100.00} for the same date : XX/XX/XXXX. 

Complaint is that XXXX did not provide any tangible or useful service, yet they billed us as if they did. Two complaints have been made to Citi and they just repeat the statement from XXXX that they will not accept this chargeback, and that XXXX did make a reservation. That is not true. A useful reservation was not made, and XXXX at that time had a total lack of any practical, timely customer assistance. As of this date ( XX/XX/XXXX ) we have not been made whole and we are out {$100.00} due to XXXX 's breakdown, and lack of any reasonable support or consumer advocacy from Citi.
Complaint sub-issue: Company closed your account

The US Bank issued the Fidelity 2 % Cashback card in a " bait and switch '' scam. I opened an account 2 years ago, paying the full amount every month. In XXXX XXXX, I bought $ XXXX of e-gift cards for my family members with receipts and emails showing recipients are my family members. I paid the full credit amount as usual. They waited until I paid off my credit card and closed my account and not giving me any option to redeem my points which I have accumulated over the years, with XXXX dollars ' worth. 

I called XXXX and talked to an agent and then supervisor on XX/XX/XXXX XXXX PST. They refused to discuss the nature of any of the transactions and insisting that it is within their power to stop giving me a line of credit any time they seem fit and that they have the final say in this decision.
Complaint sub-issue: Debt was result of identity theft

They are flagging my account without proof that the account is mine. I am a victim of identity theft and I have tried to dispute it and they are not cooperating and removing this collection. Ive never been to whatever school they have listed. They are reporting to all 3 bureau.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXXXXXX XXXX report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I would like all my information updated and remove for you database asap.
Complaint sub-issue: Trouble with how payments are being handled

NelNet refuses to properly apply my principal reduction payments on my student loan. Every month I make payments beyond the minimum payment due, and generally pay ahead by at least three months. 

On XX/XX/XXXX, I was paid ahead until XX/XX/XXXX. I made a {$1000.00} payment and checked the " do not advance due date '' box. My understanding was that the {$1000.00} would go directly to principal. 

On XX/XX/XXXX, I made another {$600.00} payment. I again checked the " do not advance due date '' box. 

On XX/XX/XXXX, I logged into my account online, and saw that, of the {$1000.00} XX/XX/XXXX payment, {$150.00} was applied to interest rather than principal and, for the {$600.00} XX/XX/XXXX payment, the entire amount was applied to interest with XXXX going to principal. Again, at the time of the payments I was paid ahead by five months. 

On XX/XX/XXXX, I spoke to two NelNet representatives - a customer services representative and a supervisor named XXXX. The representative informed me that NelNet does not allow principal only payments, even when a person is paid ahead. I questioned the legality of that practice and asked to speak to a supervisor. The supervisor XXXX confirmed that NelNet does not allow principal only payments, even when a person is paid ahead. 

NelNet 's refusal to properly apply my principal reduction payments obviously benefits them as they charge more interest. Over the last twenty years, I have taken out car loans, mortgages, and other student loans -- I have never before been refused the right to make principal only payments when I am paid ahead of my monthly installment payments. I find NelNet 's conduct particularly egregious given that the company services federal student loans, which are purportedly in existence to help finance the education of Americans who, like me, otherwise could not have afforded the cost of tuition and who have struggled for years to pay off student loans.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts : XXXX, XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX 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 stated a consumer reporting agency can not furnish a account without written instructions.
Complaint sub-issue: Information belongs to someone else

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
P.S Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Equifax and XXXX keep reporting I have late payments on a XXXX account with the account number XXXX the late payments are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 I have never been late the account balance on the account is incorrect please update balance to account paid in full please remove all late payments from this account with Equifax XXXX and XXXX I was never late
Complaint sub-issue: Account information incorrect

An account that is being paid 100 % on time and has never been late is being reported to the 3 major credit bureaus as a charge off. This is incorrect and can't seem to have it corrected by the lender. I am attaching the last statement received from the lender and proof of the latest payment made on time Account # XXXX
Complaint sub-issue: Account status incorrect

Equifax is reporting the following items inaccurately. Can someone please look into this? Thank You Accounts XXXX XXXX  XXXX  XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized EQUIFAX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/ 2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}
Complaint sub-issue: Public record information inaccurate

The credit bureaus, XXXX, XXXX  , & Equifax is reporting an old Bankruptcy on my credit file that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file.
Complaint sub-issue: Reporting company used your report improperly

Equifax - the data breach this year is unacceptable - and with the company refusing to acknowledge the breach until recently shows a blatant disrespect for the people they serve.
Complaint sub-issue: Problem with rewards from credit card

Late in XXXX ( around XX/XX/XXXX ) I applied for the Citi DoubleCash card because it had a bonus of {$150.00} advertised on a {$500.00} spend. I received my card early in XXXX and over the next three months put well over {$500.00} spend on it. I waited for my bonus, but I did not receive any.

I called Citi to resolve the issue on XX/XX/XXXX, they said they didn't have any bonus on my account. I asked them to look into it, since I definitely remember that offer. They said they would, but they never reached back out to me. 

Attachment : the offer
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Public record

I had a Federal Tax Lien on my Equifax and XXXX report. The Lien has been paid in full and released by the IRS/Department of Treasury. I have submitted 2 requests to Equifax to remove it from my credit file as instructed by the IRS however Equifax will not remove it. They close my disputes referring my back to the County were my Lien was filed. I have provided the document provided by the IRS.
Complaint sub-issue: Problem lowering your monthly payments

I am part of the Pay As You earn repayment plan, however the payments are way too high for a   XXXX   XXXX   living in   XXXX   XXXX   XXXX   where rent and cost of living are ridiculously expensive. I feel that these are things that should be taken into account. I 'm struggling to make these payments.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I paid two companies for an at home business opportunity.The first one was XXXX XXXX who took XXXX dollars from me and never rendered me any services. The second one was XXXX XXXX who took XXXX from me and rendered me no services.XXXX XXXX was on XX/XX/XXXX.XXXX XXXX was on XX/XX/XXXX.I think there should be no reason XXXX would look into this for me.Both these companies lied to me and robbed me.If a company does not render services i must have some recourse with XXXX   my card.XXXX should not let these people operate a merchant account.I explained to both these companies I am XXXX years old and they insisted I would not have to work at this.I also spent 36 years in the service.This is defrauding the elderly if nothing else and XXXX should act accordingly.If services were never rendered .How is there a time frame when no services were rendered.My bank should do the right thing.
Complaint sub-issue: Don't agree with the fees charged

My primary loan servicer in XXXX was Nelnet. I sent them my tax return in XXXX, which was {$0.00}. I also applied for REPAY plan and got it. started a job as a XXXX XXXX. They asked me for my pay sub and I sent them. They calculated my monthly payment as {$340.00}. My loans are around {$500000.00}. My annual income is ~XXXX prior to pretax reduction and taxes. The pay sub I sent them was an overestimate. Even with overestimation, my total gross income ( pretax ) was {$55000.00}. Based on FSA repayment calculator, a minimum charge should have been {$300.00}. From what I understand the REPAY plan is 10 % of Discretionary income. My Discretionary income in XXXX ( based on that pay sub that I sent ) is : ( $ XXXX XXXX ( pretax reduction ) - XXXX ) =XXXX  ( biweekly ) XXXX= $ XXXX {$12000.00} ( poverty guideline hhs XXXX ) = {$34000.00}. 10 % of this is XXXX. XXXX per month. If I put this in FSA loan repayment calculator wand choose PFLS and my monthly payment is {$130.00} per month. I brought this to their attention multiple times. I called them multiple times and talked to managers and different reps and they told me that's how it works. I also called a week ago and they brush me off. I also have a twin sister with the same amount of loans but making {$5000.00} per year less than me and she paid {$0.00} last year and this year she is paying {$10.00}. When Nelnet transferred my loans to XXXX for consolidation. XXXX XXXX  did not change the payment. I am in communication with them to reevaluate. It is very hard for me to pay {$350.00} per month. It is very unfair. It seems like XXXX XXXX  servicer does not want to refund me either. But, my main complaint is about Nelnet. It would be great if you follow up with XXXX too. BAsed on my tax return my AGI is {$25000.00}. I just can not believe there is this much difference in their calculation and my tax return calculation. I appreciate your time
Complaint sub-issue: Information belongs to someone else

i received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand
Complaint sub-issue: Their investigation did not fix an error on your report

I was unaware of the said debt and was not notified about the debt. The debt appeared on my Equifax credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither Equifax nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. Equifax responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from Equifax or the collection agency. This account is reporting negativley on my Equifax report and causing me credit issues.
Complaint sub-issue: Not given enough info to verify debt

Alliance One ( XXXX caller ID ) repeatedly calls at all hours claiming that I have an alleged debt. The caller refuses to answer questions concerning this alleged debt ie : who this debt owed too, how much is it, when was it incurred, etc. The caller becomes verbally abusive and does not allow me to reply or ask for a verification of the debt. Usually after XXXX minutes the caller will angrily hang up.